Barclay Butler Financial Inc.

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

July 2, 2025

Small loans for investment properties down to $55,000 loan amount.

Are you looking to finance an investment property but all of the banks and lenders are telling you your mortgage is too small. We have investors that are willing to finance down to a $55,000 loan size. Most lenders will not finance below $100,000 mortgage amount. This loan can be used to lower your interest rate, cash out or purchase […]

2-4 unit building 0 53 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 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

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

1 day out of a foreclosure and you could buy a home!

Yes it is true you can buy a home 1 day after your foreclosure. Your home has to have been already foreclosed, it cannot be in the process of being foreclosed. If you have a 550 credit score and 40% down you can buy a new home. You can get either a Fixed Rate or ARM and or Interest Only. […]

All states 0 30 sec read

March 14, 2023

You can buy a home 2 yrs. after your Ch. 7 bankruptcy is discharged.

If you declared chapter 7 bankruptcy you only need to wait 2 years from the date of discharge to buy a home. It is very important to rebuild your credit with 3 secured credit cards right after your bankruptcy has been filed. When your 2 years seasoning on the bankruptcy is up you will have great credit again. Then you […]

203- K mortgage 0 37 sec 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

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

Hard Money Loans

Small loans for investment properties down to $55,000 loan amount.

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

FHA mortgage should I use Fannie Mae or Freddie Mac.

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.

1 day out of a foreclosure and you could buy a home!

You can buy a home 2 yrs. after your Ch. 7 bankruptcy is discharged.

Alternative Income mortgages are BACK.

Mortgage company overlays helping or hurting home sales.

Brochure

Mortgage News Daily

Commercial

Trusted