Creative Financing Solutions

We offer a variety niche financing solutions for borrowers who may not qualify through conventional financing.

Niche Program Highlights:

Bank Statement Loans / Asset Qualifiers / Self Employed Borrowers / Real Estate Investors – Unlimited Properties / 1 Day Out of Bankrupcty or Foreclosure / Stated Income / Interest Only / FICO to 580 / Non Warrantable Condos / 10% Down Jumbo, & More.

Call Today for a Free Consultation
(888) 502-2669

The Lowdown on Creative Financing

Creative Non-QM & Hard Money Home Financing Made Simple

At E Mortgage Capital we understand that not all borrowers’ are the same and that documenting income or overcoming past credit issues can be a challenge. That’s why we offer a variety of home loan solutions to better meet the needs of our diverse clientele.

Whether you are self employed and want to qualify using bank statements or assets instead of tax returns or W2s, a real estate investor seeking to finance more properties than allowed by Fannie Mae or Freddie Make, or are just a few bays outside of a foreclosure or bankruptcy, our knowledgeable Mortgage Professionals can help you weigh your options.

Call us today for more information – (888) 502-2669

Highlights of our creative financing programs:
  • Bank statement loans – Use bank statements rather than tax returns or W2s to help qualify
  • 1 year tax return qualifier program
  • No limit on number of properties financed – Great for real estate investors
  • Non-warrantable condos considered
  • Interest only options
  • Debt to income ratios up to 55%
  • No active tradelines OK with housing history
  • 90% loan-to-value available up to $1.5 million on primary residences
  • FICO scores down to 580 considered
  • 1 day out of bankruptcy, short sale or foreclosure
  • 100% gift for down payment
  • Lease option buy outs
  • Gift of equity may be allowed
  • Vesting in entities
  • Loan amounts up to $3,000,000
Niche Jumbo Loan Highlights
  • Owner-occupied, 2nd homes, and investment properties
  • Loan Amounts from $200,000 to $3,000,000
  • 90% LTV available
  • DTI up to 50%
  • 1 year tax return for qualifying
  • Credit scores as low as 620
  • No private mortgage insurance
  • Interest only up to 85%
  • Single family residences, townhomes, condos, 2-4 units
  • Non-warrantable condos considered
  • No limit on number of properties financed
  • 3 years seasoning for foreclosure, short sale or deed-in-lieu
  • 3 years seasoning for bankruptcy

Free Consultation

Have questions? Let talk. Call us today at (888) 502-2669.

  • Options for Self Employed
  • Solutions for Real Estate Investors
  • Loan Amounts Up to $3,000,000
  • Alternative Documentation Solutions

Get Your FREE Loan Quote Now!