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Alternative Loan

An Alternative loan can help borrowers who have had credit issues in the past such as foreclosures, bankruptcy, late payments or other isolated credit issues.


These loans also have underwriting guidelines that are different than the typical conventional or government type loans. Self-employed borrowers typically have more complicated income structures that require different calculations than wage earners.



  • 3.5% Down

  • Bank Statement for Income Options

  • Additional alternative income verification options available

  • Up to one day out of foreclosure options

  • Up to one year out of bankruptcy options

  • Up to one day out of short sale options

  • No income qualifying for investment properties

  • Foreign National Programs

  • Non warrantable condo programs

Get Started

Contact Vanmar Lending


Tel: (760) 200-4620

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