Barclay Butler Financial Inc.

February 3, 2024

VA IRRL (Streamline) mortgages do not need a credit score and they will allow mortgage lates in the last 12 months

A VA IRRL mortgage allows you to lower your interest rate on you current VA mortgage without showing any proof of income, assets, credit score or value. This loan will allow you to lower your interest rate and save money on your mortgage payment. You can either do a no cost VA IRRL or you roll your closing costs into […]

IRRL 0 26 sec read

March 14, 2023

Mortgage company overlays helping or hurting home sales.

Most mortgage companies have overlays on their products. An overlay is an additional requirement added on top of a FHA, VA, USDA or conventional mortgage guidelines. One example is FHA allows down to a 580 credit score if you want to put down 3.5% down payment. 95% of the lenders state you must have a 640 credit score and about […]

2-4 unit building 0 1 min read

VA IRRL (Streamline) mortgages do not need a credit score and they will allow mortgage lates in the last 12 months

Mortgage company overlays helping or hurting home sales.

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