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% ✅ […]

FHA Stated‑Income Loan for the Self‑Employed

Only 3.5% Down — Use Your REAL Income to Qualify Are you self‑employed but don’t declare all of your income on your tax returns? This loan program was built for you. With this FHA‑based stated‑income option, YOU prepare your own Profit & Loss and declare your actual income — not the reduced number on your tax returns. Program Highlights Only […]

Fix & Flip No‑Doc Loans with a 500 credit score.

Have you been thinking about buying a property to flip or hold as a rental? Now you can with a 500 credit score. No experience is needed. Barclay Butler Financial Inc. offers a true no‑doc Fix & Flip program designed for investors who want maximum leverage and fast closings. ✅ Program Highlights ✔ 100% Financing Available. With a 619-500 credit […]

Interest Rates Have Dropped—Time to Save Big

Interest rates have fallen to their lowest levels in the last 3 years, creating a perfect window to improve your financial position. 💰 Two Powerful Options 1. Cash‑Out Refinance Use your home’s equity to: • Pay off high‑interest debt • Boost your savings • Cover college tuition • Fund home improvements • Handle major expenses with one low‑rate loan 2. […]

Alternative-Income Construction Loans

Build Your Dream Home—Even Without Traditional Income Documentation Welcome to the world of alternative-income construction loans! If you’re dreaming about building your ideal single-family home but your income doesn’t fit the traditional mold, you’re exactly where you need to be. Today’s borrowers aren’t all W‑2 employees—and lenders have finally caught up. Whether you’re a freelancer, entrepreneur, contractor, gig worker, or […]

Big News for Homebuyers: Conventional Mortgages Now Available with No Minimum Credit Score

Until recently, a 620 credit score was the minimum requirement for a conventional mortgage. That’s no longer the case. Now, borrowers with lower—or even no—credit scores may qualify for conventional financing. 🏢 Why This Matters for Condo Buyers Most condos in the U.S. are not FHA approved. That used to limit options for buyers with lower credit scores. With this […]

Loan Officer wanted (Remote or East Dundee IL Office)

Barclay Butler Financial Inc.📍 1051 E Main St., East Dundee, IL (Remote work available) Compensation: 150 basis points of loan size plus benefits Full-time or part-time positions available About the Role We’re seeking licensed Loan Officers who want to succeed in both the purchase and refinance market. If you’re finding customers but struggling to get loans closed due to overlays, […]

Non-QM Loans Available with Credit Scores as Low as 500

Most lenders require a 620+ credit score for Non-QM financing because they rely on automated approval systems. But Non-QM (Non-Qualified Mortgage) programs were designed for borrowers with alternative income situations — like self-employed individuals or those without W-2s — and can help you qualify even with lower credit.   📜 What Are Non-QM Loans? Non-QM (Non-Qualified Mortgage) loans were created […]