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Lenders

We have several lenders with a large selection of programs.

We specialize in working with clients that have credit challenges,  even if you have had Bankruptcy, Foreclosure, Collections.

Go to the Home Buyers section of this site and complete the application for assistance.

HBAF will determine your eligibility and notify you within 3 business days if you qualify.

Oh Yeah, we also work with clients with good credit.

W-2 earners, 1099, & Self-employed

FHA, Conventional loans, Non-conforming loans

Refinancing, Non-owner occupied

Our lenders offers many 100% financing programs with up to 6% seller paid closing costs:

  • 100% 1 day out of Chapter 7 bankruptcy (600 FICO, 1 - 24 month trade, 2 - 6 month trades No DLA)
  • 100% with only 1 open trade in past 6 months (580/600 FICO)
  • 100% 580 average FICO (no DLA on required trade lines)
  • 100% with 12 month bank statements for self-employed & W-2 (600 FICO)
  • 95/100% with No Income Documentation (620 FICO)