Barclay Butler Financial Inc.

December 17, 2025

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 […]

2-4 unit building 0 1 min read

September 14, 2025

Hard Money Loans

Hard Money Loans: An Overview What They Are Hard money loans are short-term, asset-based loans primarily used by real estate investors. Unlike traditional bank mortgages, they are issued by private investors or lending companies and rely on the property’s value rather than the borrower’s credit history. How They Work Asset-based lending: Approval is based on the property’s value (collateral), not […]

2-4 unit building 0 1 min 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 6, 2024

Buy a Home While in Chapter 13 Bankruptcy

Most people don’t realize this—but you can buy a home while you’re still in a Chapter 13 bankruptcy. If you’ve filed Chapter 13, you only need to wait 1 year from the filing date and have 12 on‑time payments to the trustee to qualify. ⭐ Rebuild Your Credit the Right Way To prepare for approval, it’s important to rebuild your […]

203- K mortgage 0 56 sec read

March 14, 2023

3% down conventional mortgage, min. credit score 620.

You can now put down 3% when buying a home if you have at least a 620 credit score. If you are buying a home the 3% down payment can be all given to you as a gift from a family member, and if you have the seller pay your closing costs you can now buy a home with a […]

3 percent down payment 0 1 min 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

What you should know about student loans before you buy a home or refinance.

Student loans can affect the loan process in multiple ways. They could limit you on how much you can buy or they could prevent you from buying a home all together. We will look at how student loans affect FHA, VA, USDA & conventional loans. Student loans are looked at differently depending on what type of loan you are […]

203- K mortgage 0 1 min read

March 14, 2023

Buy a Home Just 2 Years After Chapter 7 Bankruptcy

A Chapter 7 bankruptcy doesn’t mean homeownership is out of reach. In fact, you can qualify for a mortgage just 2 years after your bankruptcy discharge. 🔧 Rebuild Your Credit the Right Way Right after filing, it’s crucial to start rebuilding your credit. Opening three secured credit cards and managing them responsibly can help you restore strong credit by the […]

203- K mortgage 0 50 sec read

March 14, 2023

Zero down payment with a 600 credit score.

You can buy a home with zero percent down with a 600 credit score. We will cover your down payment of 3.5%. Many people can afford a home payment but do not have the down payment saved up to buy a home. Instead of renting a property you can buy one with help from a DPA (Down Payment Assistance) program. […]

Automated underwriting 0 48 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

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

Hard Money Loans

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

Buy a Home While in Chapter 13 Bankruptcy

3% down conventional mortgage, min. credit score 620.

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

What you should know about student loans before you buy a home or refinance.

Buy a Home Just 2 Years After Chapter 7 Bankruptcy

Zero down payment with a 600 credit score.

Mortgage company overlays helping or hurting home sales.

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