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Early Access Product

Call us at 855.253.8439 to learn more about our loan programs and products.


Our Early Access QM product is designed to make mortgages available quickly and easily for borrowers with blemished credit, who are ineligible for financing through traditional agency or jumbo investors. Ideal for customers who may have struggled with foreclosure, bankruptcy or other hardships in the past, our extended product parameters provide affordable mortgage financing to qualified homebuyers. This QM product allows for the financing of investment properties.


Additional product underwriting guidelines include the following:

  • Up to $1,000,000 loan amount
  • 620+ FICO
  • 85% LTV or less
  • 43% DTI or less
  • Foreclosure – 3 years
  • Bankruptcy/ Short Sale/ Deed-in-Lieu – 2 years
  • Eligible for non-warrantable condos, when primary or secondary residency
  • Second homes and investment properties permitted
  • Gift funds permitted


Best for Customers…

Who have previously experienced a credit event including bankruptcy, short sale, or foreclosure.

We make exceptions! Speak with your representative or contact and learn about the flexibility of our products.

To view the PDF version of the Early Access product page, click here.

Designed & Developed by Figment Design