Cash‑Out Refinance for Owner‑Occupied Homes — Even With Bad Credit

If you have bad credit but need to access the equity in your home, this program may be the right fit. We work with borrowers who have credit scores in the low 400s, and we focus on real‑world approval factors—not just your credit report.

This loan can help you:

• Pay off high‑interest debt
• Access cash for investments
• Cover tuition or major purchases
• Consolidate bills and improve monthly cash flow

✅ Basic Requirements

• Owner‑occupied property
• 1–4 unit home, townhome, or condo
• At least 20% equity (maximum 80% LTV)
• Full documentation loan

✅ Income Documentation

W‑2 Employees:

• Most recent W‑2
• Recent paystubs

Self‑Employed Borrowers:

• If self‑employed 5+ years → last 1 year of tax returns
• If self‑employed less than 5 years → 2 years of tax returns

✅ Why this program works for bad‑credit borrowers

Traditional lenders rely heavily on credit scores. This program looks at:

• Your equity
• Your income stability
• Your recent housing payment history
• Your ability to repay

Credit challenges—even severe ones—don’t automatically disqualify you.

Rates start in the upper 5’s. Just because you have bad credit doesn’t mean you have to have a very high interest rate.

✅ We close loans others can’t.

📍 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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