Key Benefits
500+ FICO Accepted
Programs for all credit levels
Manual Underwriting
Human review of your file
Recent Events OK
BK, foreclosure, short sale
Non-Traditional Credit
No score? No problem
Credit Challenged Mortgage Programs
We offer multiple pathways to homeownership regardless of your credit history.
Manual Underwriting
500+ FICOHuman review of your complete financial picture, not just credit scores.
- Compensating factors considered
- Recent credit events explained
- Full documentation review
Recent Credit Events
580+ FICOPrograms for borrowers with recent bankruptcy, foreclosure, or short sale.
- 2+ years from BK discharge
- 3+ years from foreclosure
- Extenuating circumstances
Non-Traditional Credit
No Score FICOBuild credit history using rent, utilities, and other payment records.
- 12 months rent history
- Utility payment records
- Insurance payment history
FHA Programs
500+ FICOGovernment-backed loans with flexible credit requirements.
- 500 FICO with 10% down
- 580 FICO with 3.5% down
- Manual underwriting available
Need to Improve Your Credit First?
If you're not quite ready for a mortgage, we can help you get there. Our free credit education resources show you exactly how to build or rebuild your credit — no hype, just clear steps.
Credit Challenged Mortgage FAQs
Common questions about getting a mortgage with less-than-perfect credit.
Credit Challenged Loan Rate Information
Credit challenged loan rates are higher than conventional rates due to increased risk factors. Your rate will depend on credit score, time since credit events (bankruptcy, foreclosure, short sale), loan-to-value, and compensating factors.
Higher down payments may be required. All loans subject to credit approval. Rates and terms vary based on individual circumstances.
Licensed MLO approval required for all rate quotes and loan commitments.
Ready to Explore Your Options?
Our credit specialists can review your situation and find the best path to homeownership.