Barclay Butler Financial Inc.

September 24, 2025

Non-QM Loans Available with Credit Scores as Low as 550

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 48 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

September 19, 2014

Jumbo Stated income loans are BACK.

It has been many years but stated income loans are BACK. A stated income 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 in Illinois with a jumbo mortgage on it and are self employed this is the perfect mortgage for you. You […]

Bank Statements 0 52 sec read

Non-QM Loans Available with Credit Scores as Low as 550

Alternative Income mortgages are BACK.

Jumbo Stated income loans are BACK.

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