New Mortgage Program: Buy a Home With Just 3.5% Down — Even With Bad or No Credit

This program is built for real‑world buyers who don’t fit traditional guidelines. If you’ve been turned down elsewhere, this may be the approval you’ve been waiting for.

✅ Credit Flexibility

• No minimum credit score required
• Bad credit or no credit history allowed
• Alternative credit accepted (rent, utilities, insurance, etc.)

✅ High Debt Ratios Allowed

• Debt‑to‑income ratios up to 60%

✅ Eligible Property Types

• Single‑family homes
• Townhomes
• FHA‑approved condos
• Modular homes
• Manufactured homes
• 2‑unit properties

✅ Eligible Borrowers

• U.S. Citizens
• Permanent Resident Aliens
• ITIN borrowers
• DACA borrowers

✅ Bankruptcy & Housing Event Flexibility

• Chapter 7: Allowed once discharged
• Chapter 13: Allowed after 12 on‑time trustee payments
• Foreclosure / Short Sale / Deed‑in‑Lieu: Eligible after 1 year

✅ Down Payment & Closing Costs

• 100% gift funds allowed
• Family gifts permitted

✅ Alternative Income Accepted

• Bank statement income
• Asset‑based income

Licensed States

California, Florida, Georgia, Illinois, North Carolina, South Carolina, Tennessee

📞 Contact Us

• Call/Text: 224-420-9990

• Email: bbutler@barclaybutlerfinancial.com

• Contact: Barclay Butler

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