Home Loans Designed Around Your Life

Mortgage product offering home financing options to self-employed borrowers, those with recent bankruptcies, and people with credit scores as low as 580.

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Are you worried you’ll never be able to qualify for a mortgage to buy a home? Don’t be. These days, many lenders are thinking outside the box and coming up with ways to help more people achieve
homeownership. Embrace Home Loans understands that no two borrowers are alike. And to help those
with unique situations, they created a unique product called Beyond.

Don’t have a traditional job? Without a typical 9-5 job, there’s a good chance you’ve been turned down for a home loan. Beyond by Embrace offers purchase and refinance loans designed for self employed borrowers. No W-2? No big deal. To qualify, you can show cash flow using bank statements instead of tax returns.

Have a bumpy credit past? That’s not a problem, either. Embrace recognizes life doesn’t always go
exactly as planned. Borrowers with FICO Scores® as low as 580 can qualify. And if you have a past credit event, including foreclosure, bankruptcy, modification, short sale, or deed in lieu, that’s okay, too. Fannie Mae requires borrowers to wait four years after a foreclosure. With Beyond, you can qualify as soon as two years after a bankruptcy or foreclosure.

Are you a real estate investor? Whether you’re financing your first property or your tenth, you may be
able to get a loan up to $2.5 million. This also includes non-warrantable condos. Purchase, rate-and- term, and cash-out refinance options are all available.

“We are thrilled to offer a loan product that helps more people achieve their dreams of homeownership,” said Embrace CEO Dennis Hardiman. “Beyond is more than a smart, timely response to today’s affordability challenges. By expanding homeownership opportunities, we’re helping more families attain long-term financial stability — and that’s what we’re all about.”

You‘re more than just a credit report. So make sure you go to a lender who looks at the bigger picture and wants to know your whole story when assessing your loan application.

Learn more and reach out to an Embrace Loan Officer today!