Penny H. Phillips NMLS #204553
Many of our Non Prime Programs center on borrowers who had had extenuating circumstances that prevent them from qualifying for a mortgage loan by normal standards,
Acceptable extenuating circumstances include an illness in the immediate family, or job loss.
If the borrower(s) can show that they had good credit before the extenuating circumstance, and are now past it, and can show that they are now current all of their creditors, then there is an excellent chance that we can help them with a Purchase or Refinance.
Here is a summary of some of the features of our Non Prime Programs.
NOTE: Manual Underwriting means that we can take Extenuating Circumstances into consideration. An Extenuating Circumstance could be an occurrence that was beyond the borrower's control, like an illness to an immediate family member, or a job loss.