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Frequently Asked Questions
Find answers to common questions about our lending process and documentation.
Qualifying
Can I qualify if my tax returns show a loss?
I was declined by my bank. Can you still help?
What credit score do I need?
Do I need to show income at all?
What's the minimum equity I need to qualify?
Can real estate investors qualify based on rental income?
The Process
Does starting a review affect my credit score?
How long does the process take?
What documents will I need?
What happens after I start a review?
Products
What's the difference between a HELOC and a cash-out refinance?
Do I have to refinance my existing mortgage to access my equity?
What is a reverse mortgage and who is it for?
What is a DSCR loan?
What is a bank statement loan?
What is an asset qualifier or asset depletion loan?
Eligibility & Geography
What states do you lend in?
What property types are eligible?
Can non-U.S. citizens qualify?
Rates & Costs
Are non-QM loans more expensive than conventional loans?
Can you tell me my rate before I apply?
