Rebuilding Credit

You’re more than a credit score.

Unforeseen circumstances — such as a job loss or health issue — can lead to a bankruptcy or foreclosure and send your credit score plummeting. But now that you’re back on your feet and have saved to purchase a home, traditional lenders won’t work with you because of your credit score.

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We know that you’re more than just a credit score. Unlike many traditional lenders, we look at your entire financial picture when it comes to purchasing a new home or refinancing your existing mortgage.

The good news is that Sprout offers mortgage loan options for people with moderate credit scores — because we know people bounce back faster than their credit score.

Whether you’re interested in purchasing your very first home, refinancing your current mortgage, or refinancing with cash-out, we’ll take the time to understand your unique situation and identify the best loan options for you. Even if less than 12 months have passed since your bankruptcy was officially discharged, we’ll explore all of your mortgage options.

As a direct lender, Sprout has more flexibility when it comes to home financing and qualifying criteria. While traditional lenders will hold your credit or payment history against you and require you to wait years before qualifying you for a mortgage, we are in business to help people like you who are in the process of rebuilding their credit.

Need cash to pay-off debt? Our clients who currently own a home may be able to refinance and get cash to take care of those bills.

Our goal is to help you get back on your feet so you can continue rebuilding your credit and your life!


Also Available

Whether you’re a small business owner, yoga instructor, seasonal employee, freelancer/contract employee, or investor, Sprout can help you get a mortgage!

Asset Depletion Loans

Investor Debt Service Coverage

Ideal for individuals with substantial liquid capital (more assets than income), the Asset Depletion program permits borrowers to qualify based on their assets up to 50% DTI.
Designed for those whose income is derived from property rentals. Use the cash flow from your rental property to qualify.

Here’s How We Can Assist You in Buying a Home

Other loan features include:

Credit score as low as 580
Highest LTV Options - based on your property's Debt Service Coverage
Interest-Only option available on all loan programs
80% Financing available on properties up to 4 units
Lower Reserve Requirements

Talk to a Loan Advisor today and find out how you can still get the home of your dreams or refinance your existing home.

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