A few highlights:
*We take any credit score over 400 (or if they have no credit score, that's fine too)
*Stated income only needs to be employed or self-employed for one day.
*We also have a true no doc loan (yes, for 400 credit scores! yes, to 70 ltv!)
*We never verify assets
*No title seasoning required
*No appraisal seasoning, so even for purchases, you go off the APPRAISED VALUE, not the purchase price!
*No tradeline minimum
*Loans up to $5,000,000
*We do tax ID loans (no social security number)
*We do mixed use properties and unique properties (case by cae basis)
*We will refi a house on the market
*We will buy out of foreclosure and/or Chapter 13 BK and give the borrower $20,000 cash in hand.
In a nutshell, if you are under a 620 score, have 30% equity in your house and are turned down for any reason, chances are we can do it.
Our website has a loan pricer that even gives you conditions on the loan. Go to brokers.castlepointmortgage.com (don't type in
www.)
Call me at 443-745-2997 or email me at etriplett@castlepointmortgage to run a scenario by me.