Our focus is to help homeowners with less than perfect credit improve their quality of life. We accomplish this by reducing the industry’s standard credit criteria required for a cash out refinance.
Over the years we have leveraged our approved FHA and Portfolio Lending status to assist clients purchase new homes and refinance their existing mortgages after local banks/lenders have turned them down.
Many Americans that pay their mortgage on time are being pushed aside by these institutions due to financial hardship, outstanding credit card debt, student loans, etc.
Our Step Forward Program not only solves this problem by allowing credit scores all the way down to a 500 Fico on our cash out/debt consolidation loans, but we also put a plan in place to improve our clients mortgage.
We’ll contact you after 6-8 payments to determine your eligibility to refinance into more favorable terms. Of course, your credit at that time and the current market conditions will determine if a lower payment is possible, but many of our clients see their credit increase shortly after closing simply by consolidating their debt.
Our clients not only benefit from having the ability to get the cash they need now at a competitive interest rate, but they get the added value of a “No Lender Fee” refinance after 6 payments to help them reduce their mortgage payment by transitioning from our FHA or Non-QM loan into a new Conventional Mortgage.