Home Financing with Thin Credit
With a Non-QM loan, buying a home with a limited or thin credit profile is possible.
Mortgage Loans with Limited Credit History
If you are just starting out on a financial journey and only have 1 or 2 lines of credit opened, you
may have been told that you have a thin/limited credit profile. This can make it challenging to obtain a mortgage, but it’s not impossible. Non-QM loans can make buying a home a reality without having to wait until you’ve established a larger credit profile. At FNBA, our manual underwriting process allows us the flexibility to look at alternatives such as on-time rent payments, when evaluating your credit worthiness.
Flexible Credit Requirements
Non-QM loans provide the flexibility needed to overcome the challenges of having a thin credit profile vs the often rigid credit requirements associated with traditional mortgage financing.
Income Documentation Options
Non-QM loans provide the flexibility needed to overcome the challenges of having a thin credit profile vs the often rigid credit requirements associated with traditional mortgage financing.
Simplified Process
Non-QM loans aren’t complicated. Our team of experienced mortgage professionals will guide you every step of the way to make it as stress-free as possible.
Start your home buying journey Today!
Non-QM Loan Program Highlights
No prepayment penalties
Finance up to 80% of the property value
Loans from $50,000 up to $1,000,000
Only 12 months of income history required
Take the First Step Toward Your Next Move with a Non-QM Loan Today!
Want to talk to a member of our team? 1-833-394-8404