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Recovering from a past bankruptcy or foreclosure doesn’t have to happen over a matter of years. In the Fresh Start program, we empower buyers who are ready to turn the page and start building back their financial standing and the dream of homeownership.

Correspondent Non-Delegated

New Rez – SmartTrac

• Max 50% DTI
• Max 85% Purchase LTV
• Max 80% Cash out LTV
• 12 months seasoning for derogatory credit event
• Minimum Fico 620

Deep Haven – Non Prime

• Lower to High Fico borrower
• Self employed can utilize personal bank statements or business bank statements
• P&L used for business bank statements can be borrower prepared or can use CPA prepared Expense Ratio
• Standard DTI 43% and up to 50% with 620 Fico. 55% Enhanced ratio available with certain criteria and Full Doc

Broker Non-Delegated

Angel Oak – NON-PRIME ≤ 80%

• 75% LTV for credit scores down to 500
• 80% LTV for credits scores at 540

Angel Oak – NON-PRIME >80%

• Debt Consolidation up to 90% LTV

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Let's talk! 800-459-7512