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Lowdown on a Maine Non-Prime Mortgage Loan...

How I can help

1 day out of foreclosure OK

If you've had a recent housing event, there is still a chance for you.  If you have cash to put down, I can get you back on track!

12-24 Month Bank Statements

Are you a self employed borrower that didn't claim a whole lot on your tax returns?  It's OK!  I have options for you.

Bruised Credit?

I specialize in helping folks that have gotten behind on their credit.  There are programs for you, and I'm the guy to help! 

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Maine Non-Prime loan Info

GOING ABOVE AND BEYOND

Maine Non-Prime is a term for loan types that do not fit into the

restraints of government lending

standards known as Prime, Agency, or A-Paper Lending and defined as Qualified Mortgages.

Maine Non-Prime loans are also known as temporary or fixer loans for borrowers who are on their way to Prime but need a little help before they qualify. 

Non-Prime loans characteristically are made to borrowers who have had a past credit event or events in the form of Foreclosure(s), Bankruptcy(ies), Short Sale(s), late payment(s), collection(s), charge-off(s), etc. 

Additionally, a borrower seeking a Maine Non-Prime loan can use alternative documentation to qualify, in form of bank statements, liquid assets, and other forms of income not typically accepted by government lending criteria. 

Maine Non-Prime loans usually have increased rates of interest and costs for providing access to capital while providing the ability to participate in the economy and housing market.

Non-Prime loans should only be looked at as a temporary solution to an immediate need.

I realize not everyone has perfect credit and I understand life happens. Additionally, not everyone can document their income in the narrow definition that government loans allow. 

I have programs that allows borrowers with a rougher than usual credit history to qualify for loans with terms that are fair and meet government lending criteria for Ability-to-Repay and government fee limitations.


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OVER 15 YEARS OF EXPERIENCE


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Travis Penny, Maine Mortgage Game Planner  

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