Special Situations
Expanded eligibility when agency loans won’t fit
The SMART Series goes beyond traditional guidelines to help borrowers in unique scenarios. From non-warrantable condos to recent credit events, these programs offer solutions when others say no.
Highlights:
· Non-warrantable condos and condotels allowed
· Cash-out available after 6 months of ownership
· Housing history flexibility (e.g., 1x30x12 allowed)
· BK/foreclosure seasoning in as little as 2 years
· Gift funds allowed for down payment and reserves