Welcome to MortgageDenials.com

1-4 Units Primamry Owner-Occupied Purchase or Refinance with 10% Down Payment or 10% Equity

20% Down Payment  with a Letter from Employer to Verify Income to qualify for a mortgage

20% Down Payment or Equity  1-4  Unit

Investor mortgage with No Income Documentation at all. Property must debt service. Mortgage payment must equal market rents  - Vacant Properties Acceptable

Most Transactions qualify on 1-2 Unit Purchases. We assist buyers in improving credit scores to get them qualified for a mortgage.

 Most Transactions qualify on 1-2 Unit Purchases. We assist buyers in improving credit scores to get them qualified for a mortgage. 

US Home Capital will issue 101% Mortgage and if qualify pay your closing cost therefore you can buy with  "No Money out of Pocket" & No Mortgage Insurance

► Borrower had post-closing liquid assets greater than the loan amount which automatically qualified. We closed the transaction with minimum 25% down required. Can use 50% of 401k/IRA balances. asassets to qualify. This is a great  program for a borrower that would otherwise have to pay capital gains  tax and/or IRS penalties to liquidate funds to close.

► Borrower had high debt to income but substantial post-closing reserves. We used a portion of the assets to supplement income/ability  to pay mortgage.

► We approved and closed many transactions with 12 business bank statements to qualify income for self-employed with no tax returns with as little as 10% down. Programs available with (2 )months bank statements with  or 25% down payment. 

(Always good to have me work customer months before signing a contract)

► Approved and Closed a transaction whereby one borrower earns 55% of the qualifying income and great credit score and the Co-Borrower credit score was very low and could not get approved for a  Conventional or FHA mortgage. We used the higher  credit score borrower and ignored credit score of the Co-Borrower but used both Incomes to qualify.

► Customer was selling one property to buy another but did not qualify for the new  property WITHOUT selling or renting the old home or counting its payment. We approved and closed the new purchase ignoring the mortgage payment on the other property because it had 25% equity

► Closed many mortgage transactions with only 1 year history of primary job, 2nd jobs, overtime, bonus and 1 year self-employment. We will consider newly self-employed if transitioning from similar work as an employee.

► Closed mortgage with only written verification of employment for employed borrowers with no  

pay stubs, W-2's or tax returns with 25% down

► Closed mortgage with alimony/child support with only a 1 month history of receipt

► Closed many transaction based the subject cash flow only (no employment needed) as long as the rent exceeds PITI by $1, they qualify.Programs available wherby the PITI is more market rents.

► Property does NOT need a current lease - can use appraiser's market  rent estimate. Vacant properties acceptable.

► Can be titled to an LLC

► Please keep in mind that this is only a sampling.  The bottom line is  that if a borrower has the ability to repay and equity in the  property/purchase there are a LOT of options and we will review each  situation to figure out the best one for the borrower - whether that's  conventional or  non-traditional!.