High debt, bruised/bad credit, limited documentation and income problems?

If your financial institution declined your request for mortgage financing, an alternative (B-lender) or private lender may be your solution. As an industry-leading mortgage brokerage, we can give you access to these alternative options that can help tailor a mortgage just for you.

Alternative lenders still have guideline requirements, but are more flexible with lending criteria, like debt ratios and income documentation requirements, making it easier to secure approval.

Private lenders, on the other hand, have a much higher risk tolerance and focus mainly on the equity in the home (or the amount of down payment), not the client’s income or credit situation. Some private lenders do not even ask for income documents and will accept borrowers with any credit scores.


There’s more and more people seeking alternative lenders than ever before, and we understand why.

Traditional lenders typically have strict lending requirements that make securing a mortgage more difficult. Things like debt ratio restrictions, income threshold levels, substantial proof of income, verifiable proof of earnings, ideal credit score minimums, stress tests and more, can all get in the way of securing a mortgage.

We understand the many challenges that stand in the way of obtaining a mortgage. That’s why we work with some of the most reputable private lenders that offer more flexibility when it comes to meeting qualification criteria. That means if you have a higher debt level, bruised/bad credit, low income or previous bankruptcies, we can still find the perfect mortgage for your situation.


  • No Income Verification
  • No Credit Score Minimums
  • 1st/2nd/3rd Mortgages
  • No Debt Ratio Requirements
  • Options for Self-Employed
  • Previous Bankruptcies
  • Flexible Documentation Requirements
  • No Employment Verification
  • Funding in 2-5 Days
  • 3-6-12-24 Month Terms Available
  • No Minimum Loan Amount
  • No Maximum Loan Amount