Barclay Butler Financial Inc.

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

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

March 14, 2023

VA Home Loans Available with Credit Scores as Low as 500 and Debt-to-Income Ratios up to 65%

If you’re a veteran, active-duty service member, or the spouse of a deceased veteran, you may qualify for a VA home loan—even if other lenders have told you no. Here’s why VA loans are such a powerful benefit:✅ No down payment required✅ No monthly mortgage insurance✅ Flexible approval – credit scores starting at 500 may qualify✅ Higher debt-to-income ratios allowed […]

All states 0 39 sec read

March 17, 2019

Bill Consolidation Mortgage – Reduce Your Monthly Payments

⭐ Flexible Credit Requirements• Minimum credit score: 500• Designed for borrowers who need real solutions, not perfect credit 💳 Debts You Can Pay OffThis mortgage lets you roll in:• Your current mortgage (if you have one)• Auto, motorcycle, boat, and RV loans• Student loans• Personal loans• All credit cards 🏠 Eligible Property Types• Owner‑occupied homes• Second homes• Investment properties […]

All states 0 44 sec read

November 15, 2014

FHA mortgage should I use Fannie Mae or Freddie Mac.

People do not realize that 95% of all lenders use Fannie Mae to get loans approved. The reason for this is because it is more difficult for a lender to get approved to do Freddie Mac loans. If a customer gets turned down for an FHA loan there is a very good chance the lender was trying to go to […]

Blog 0 2 min read

Alternative Income mortgages are BACK.

Mortgage company overlays helping or hurting home sales.

VA Home Loans Available with Credit Scores as Low as 500 and Debt-to-Income Ratios up to 65%

Bill Consolidation Mortgage – Reduce Your Monthly Payments

FHA mortgage should I use Fannie Mae or Freddie Mac.

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