Barclay Butler Financial Inc.

October 6, 2026

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% ✅ […]

3.5% Down 0 45 sec read

January 23, 2026

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 […]

2-4 unit building 0 1 min read

September 24, 2025

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 […]

2-4 unit building 0 49 sec read

June 19, 2025

Need Cash? A Cash-Out Refinance Might Be the Solution

A cash-out refinance allows you to access the equity in your property and use the funds for virtually any purpose—pay off debt, make a major purchase, invest in a business, or simply improve your financial flexibility. ✅ General Requirements: Most lenders require a minimum credit score of 640. If you’re self-employed and show limited income on your taxes, options […]

2-4 unit building 0 42 sec read

March 14, 2023

FHA has lowered the monthly mortgage ins. premiums, time to refinance or purchase.

You could save hundreds of dollars by refinancing without lowering your current rate. How can this be? FHA just lowered the monthly mortgage insurance premium from 85% to .55% per year if you are over 95% LTV. This is almost 1/2 of what it used to be. Example: if you have an FHA mortgage with .85% premium and you mortgage […]

203- K mortgage 0 1 min read

March 14, 2023

Thinking About Credit Repair Before Getting a Mortgage? Read This First.

Credit repair can be helpful—but only when there’s truly incorrect information on your credit report. If you hire a credit repair company to dispute all of your negative items, you may actually delay or completely prevent your ability to get a mortgage. ⚠️ How Credit Repair Companies Hurt Your Mortgage Approval Most credit repair companies dispute every derogatory tradeline, whether […]

203- K mortgage 0 1 min read

March 14, 2023

How Soon After Starting a New Job Can You Get a Home Loan?

The answer depends on whether you had a job gap and how long that gap was. Lenders look closely at employment history, stability, and documentation — but the rules are more flexible than most people think. ✅ If You Had a Job Gap Over 6 Months You typically need: 6 months on your new job before qualifying Exception: A conventional […]

203- K mortgage 0 52 sec read

March 14, 2023

Why you should use a real estate professional, to buy or sell a home.

Real estate professionals know more about the houses and the surrounding area. You will save time and money when you use a real estate professional. Here are the benefits when buying a home: Has the most information in one place about what is on the market, including homes listed by other professionals. You won’t waste time looking at unsuitable homes. […]

203- K mortgage 0 1 min read

March 14, 2023

Alternative Income mortgages are BACK.

It has been many years but alternative income loans are BACK. This loan is for a self-employed person who does not show all of their income on a tax return. If you are buying or refinancing a home and you are self employed this is the perfect mortgage for you. You can get this loan on your primary, second home […]

Bad Credit 0 45 sec read

March 14, 2023

Sub Prime mortgages are making a comeback in Florida.

Subprime mortgages are for people who cannot get an FHA, VA, or Conventional mortgage.Usually their credit scores are less than 550, or they recently had a foreclosure, short sale, deed in lieu of or a bankruptcy. Subprime mortgages do not care what your credit score is. Now a person can get a sub prime mortgage with as little as 10% […]

Bad Credit 0 42 sec read

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

Alternative-Income Construction Loans

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

Need Cash? A Cash-Out Refinance Might Be the Solution

FHA has lowered the monthly mortgage ins. premiums, time to refinance or purchase.

Thinking About Credit Repair Before Getting a Mortgage? Read This First.

How Soon After Starting a New Job Can You Get a Home Loan?

Why you should use a real estate professional, to buy or sell a home.

Alternative Income mortgages are BACK.

Sub Prime mortgages are making a comeback in Florida.

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