Fresh Start eliminates seasoning requirements for bankruptcies, foreclosures, deed-in-lieu of foreclosures and short sales.

Fresh start is a non-QM (Non-Conventional) Mortgage Loan designed for borrowers who are recovering from a recent short sale, bankruptcy, foreclosure or deed-in-lieu, those with damaged credit.

Other features include:

Loan Amounts:

Minimum Loan Amount: $100,000

Maximum Loan Amount:  $1,000,000

Down payment requirements

Purpose of Transaction

Rate & Term Refinancing
Cash Out Debt Consolidation (Refinancing) – Maximum cash-out is: $350,000

Ownerships allowed


Property Types


Income Documentation:

Tax Returns

Down Payment funds can be gifted to the borrower