One Day Out of a Short Sale or Foreclosure

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This loan is for people that have recently either foreclosed or short sold their property. If you have a recent short sale or foreclosure, this loan option could help you get into a home. No seasoning requirement for these housing events

Income Documentation Options:

Full Income documentation required

Salary Employee - previous 2 years W-2's and full tax return

Self Employed - previous 2 years full tax returns and current year profit and loss statement

50% maximum DTI Debt to Income ratio

Credit Scores:

  • 580 Credit Score - 80% LTV to 1 Million 
  • 500 Credit Score - 70% LTV to 1 Million

Maximum Loan Amount

  • $1,000,000

Loan Purpose:

  • Purchase
  • Refinance
  • Cash Out Refinance - $500,000 maximum

Property Type:

  • SFR Single Family Residence


  • Owner Occupied
  • Second / Vacation Home – 75% maximum LTV


Alabama, Arizona, California, Colorado, District of Columbia, Georgia, Florida, Iowa, Indiana, Kentucky, Maryland, Michigan, Minnesota, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia, Wisconsin


Reference # - 123 527030515 HE