Impaired Credit Loan: Flexible Financing Beyond Conventional Rules

The Impaired Credit Loan offers alternative financing options for self-employed individuals, investors, or borrowers with complex income profiles. These programs are flexible in terms of documentation, credit history, and property type.

Designed to provide access to credit for non-traditional borrowers, the Impaired Credit Loan helps meet unique income verification or property qualification scenarios.

• May not require full income or tax return documentation

• Can include alternative or stated income verification

• Flexible credit history or recent credit events allowed

• May accept non-traditional employment or asset types

• Must meet lender-specific Non-QM guidelines

• Offers access to credit for non-traditional borrowers

• Accommodates self-employed and gig workers

• No income or low doc options available

• Useful for recent credit events or unique properties

• Available for primary, second homes, and investments

1. Speak to a Non-QM lender or broker

2. Review qualifying documentation or asset options

3. Submit application and lender-required forms

4. Underwriting with flexible criteria

5. Close loan and disburse funds