Mortgage loans that give you a Second Chance


We are your fresh start experts, when it comes to mortgage loan. Clients come to us for those loans that have been denied by other lenders. We have a huge portfolio of brokered out lenders that approve loans for all types of credit and mortgage history. Here is just a few examples:

Self Employment buyers

Are you self employed and find your self with several deductions that your local bank just wouldnt approve you for, due to income. Here is a solution

24 month Bank statement program
Stated Income mortgage loan program- Investment property only
Asset depletion loan program

Credit scores down to 500

20 % down minimum
30year or 7/1 Arm Loan Terms
No prepayment penalty

1 day out of short sale, Foreclosure, or bankruptcy

20% down minimum
30 year fixed rate
No prepayment penalty
Up to 2 million
Credit scores down to 500

Jumbo loans with 10% down

10% down minimum
30 or 15 year fixed rate
No prepayment penalty
NO Mortgage insurance
Minimum credit score
2 years out of Bankruptcy, Foreclosure, or shortsale

FHA loans – Low credit score

Minimum Credit score 550

30 or 15 year term
No prepayment penalty
Post-bankruptcy of 2 years
Post foreclosures of 3 years

What are the rates like?

While I can’t quote rates here because they are constantly changing and are adjusted to your unique scenario. CLICK HERE and complete the short application for a personalized rate quote or select the tap at the top left of the page “Request a Free Quote”. Someone will contact you withing 24 hours

This is a fully underwritten portfolio Jumbo loan. It’s NOT hard money.

Collections items do not need to be paid off on most loans
Mid FICO scores must be above 500 to qualify.
The down payment is substantial ( minimum 20% ) depending on credit score

You can read more information on or contact us directly with questions 239-672-6244

Now throughout the entire state of Florida with offices in Cape coral, Fort Myers, Naples, Sarasota, Port Charlotte, Lehigh Acres