Buy a Home with Just 3.5% Down
Self-employed or don’t fit the traditional loan box? Use your bank statements to qualify — no tax returns needed.
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Our Program Highlights
Perfect for self-employed buyers and renters who need flexible income documentation — including bank statements — and only 3.5% down.
- Loan Amounts: Vary by location — from $524K in most areas to over $1.2M in high-cost markets. (Check your county’s limit)
- Geography: Available in most states (excluding NY)
- Property Types: Residential only
- Occupancy: Residencial only
- Down Payment: Just 3.5% down with flexible income documentation
- DTI: Up to 60%
- Credit Score: 580 minimum to qualify
Do You Qualify for this Loan?
Here is what you need in order to qualify for this product. Even if you don’t meet all of these criteria, don’t hesitate to reach out to see how we can help.
You may qualify with a 580 credit score. Alternative credit and strong housing history can be considered.
Down payments can be as low as 3.5%, depending on credit, property type, and income documentation used.
Expect to budget about 2–5% of the loan amount for closing costs. Some assistance may be available depending on eligibility.
Borrowers may qualify with DTI ratios up to 60%, offering more flexibility for those with higher existing obligations.
Frequently Asked
Questions
Answers to questions about this loan we heard
from people like you during research.
Yes. We accept credit scores as low as 580, and in many cases, no score at all. We also consider alternative credit like rent, utility, or phone payment history to help you qualify.
We offer flexible options, including W-2s, 1099s, bank statements, and even asset-based income. Whether you're self-employed, a freelancer, or earn non-traditional income, we can help match the right documentation to your financial picture.
With this program, eligible borrowers may qualify as soon as 1 day after a bankruptcy discharge. Every situation is unique, so we’ll work with you to review your full profile.
All 50 States, Covered.
Our loan officers are licensed in all 50 states, so no matter where you are - we have you covered.
See Our Recent Fundings
We’ve helped hundreds of clients get the funding they need to purchase their next property. You could be next.
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