Near Miss Mortgage

Terrific solution for a borrower with a previous bankruptcy, foreclosure or short sale. No seasoning is required on the credit event. Gift funds are accepted. Non-QM, Self-Employed or ITIN borrowers are eligible. Full and alternative documentation accepted.


Program Highlights

  • No Seasoning on Bankruptcy or Foreclosure
  • 12 Month Income Documentation (Personal or Business)
  • ITIN and Self Employed Borrowers are Allowed
  • No Minimum Loan Amount
  • Most Property Types Accepted
  • Gift Funds Allowed
  • LTV up to 85%*
  • DTI up to 55%
  • Nationwide Portfolio Lender
  • Competitive Rates
  • Fast Turn Times
  • Other Program Requirements Apply

*A minimum down payment of 25% and minimum loan amount of $50,000 applies in CA, IL, NY, OH.

A Sample of Recent Closings

$850,000 – Refi Private Mtg, Previous Foreclosure, Self Employed, Florida

$247,500 – Previous Foreclosure, Unwarrantable Condo, Florida

$412,500 – ITIN Borrower, Self Employed, Bank Statement Program, Massachusetts

$419,250 – Self Employed, Bank Statement Program, Connecticut

$290,500 – Cash Out Refi, Self Employed, Bank Statement Program, Michigan

Want to talk to a member of our team? Call 1-800-400-5451