Also known as Sub-Prime or B/C loans, Flexible Mortgages are for borrowers whose credit is less than perfect and are in need of special financing.  These loans provide opportunities for self employed borrowers or people with non- verifiable income, high outstanding debts, blemished credit or urgent cash needs.

The lending industry will rate your credit or qualifications based on the overall credit risk of the loan you are applying for.  In this circumstance an “A” credit rating is better than an “A-“ credit rating, and “B” is better than “C”, and so forth.  Your circumstances can cause your loan to be called Sub-Prime or “B/C” loans simply due to the different aspects of the loan you are asking for.

Any loan that falls outside of the parameters of “Conforming” financing would be considered Alternative Financing.  This should not be a concern for the consumer, as frequently our A+ borrowers also have needs for little or no down payment loans for second homes or investment properties.  Self-employed borrowers may have a substantial and unverifiable swing in income from year to year that would not allow them to fall into the conforming marketplace.

We have many products available to our borrowers and below are listed some, which may fit your circumstances:

• Bad Credit
• Low/No Down Payment
• No Income, No Asset Verification
• Bankruptcy
• Divorce
• High Debt Load
• Consumer Credit Counseling
• Late Mortgage Payments
• Collection Accounts