Neverrest Mortgages provides the perfect mortgage for any situation! We will look at your individual situation – credit score, income, debts, collections, bankruptcy, judgments, self-employed, assets but little or no income – you name it, we have seen it all AND can HELP!
Whatever your situation might be, we have a solution and can match you with the right loan to allow you to purchase, refinance or buy land and build the home of your dreams (or just build). We offer FHA, VA, Conventional and USDA loans along with Bank Statement (NO tax returns required), Investor Cash Flow, Asset Depletion, One Time Close Construction (OTC), Mobile/Manufactured (even singlewides), First Time Home Buyers, Down Payment Assistance (NO down payment required), Low Credit/No Credit, ITIN/Foreign National, Jumbo, Bridge Loans, Fix and Flip, Mixed Use and Multi Unit (up to 30 units).
We have down payment assistance programs that can get you into a home with no money out of pocket. We can do mortgage loans with credit scores that go down to 500 (with a qualifying down payment) or standard down payments with credit scores 580 and above. We even have a program for the highest debt to income ratio around (qualify for more home with a lower income)!
Contact us TODAY to get the process started!
An FHA loan is popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. Borrowers credit score can be between 500 – 579 if a 10% down payment is made. Contact us today to get the process started!Read More
A USDA loan is special type of a zero down payment mortgage that eligible homebuyers in rural and suburban areas can get through the USDA Loan Program and they have great interest rates to go with the. Contact us today to get the process started!Read More
The VA loan allows veterans a great loan option by using their VA benefits and come with 0% down payment and no private mortgage insurance (PMI). Interest rates are typically lower than other mortgage programs and the VA will allow higher debt..Read More
"We have been in our apartment for several years and with another child on the way we really wanted to buy a home of our own. We didn't have much money saved and didn't have great credit so we didn't think we would get approved but they were able to match us with a great loan program and get us into our own home with more room and a monthly payment that was lower than our rent! "