Being a mortgage broker, we are fortunate to be able to do business with some of the largest lenders in the country and also some of the smaller lenders. Some of these lenders will focus on niche loan products like loans down to a 540 credit score, some will do mortgages for borrowers that own multiple properties (up to 10), jumbo loans up to a million—90% loan to value with no mortgage insurance, homes with large amounts of acreage, farms, mortgages for borrowers 12 months after a short sale, odd year mortgages like 8 –12—16--22 years and many more too numerous to mention, but you get the idea.
Most banks, credit unions, net branches and most lenders just won’t have all these products available. Just know you don’t need to settle.
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