Non-QM & Alternative Doc
Alt-Doc — Credit Recovery
Recent Credit Event (BK / FC / SS)
Loans for borrowers with a recent bankruptcy, foreclosure, or short sale — as little as 1 day out of seasoning.
Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.
600
Min FICO
80%
Max LTV
Ideal borrower
Borrowers with a past credit event who are back on their feet.
Program highlights
- 1 day out of BK/FC/SS acceptable on some programs
- Higher down/LTV trade-offs for shorter seasoning
- Pathway back to agency pricing over time
Typical uses
- Post-bankruptcy home purchase
Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.