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| Credit – Low scores, late payments, recent BKs, FC, etc. |
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Expanded credit guidelines for exception based lending |
| Down Payment / Equity – Little available or from untraditional sources |
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High loan-to-value programs available |
| Income – High debt-to-income ratios or unable to document |
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Higher ratios and alternative documentation (including stated) allowed |
| Employment History – Unable to demonstrate stability |
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Flexible proof of employment history |
| Property – Issues with property type, condition or valuation |
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Programs for most property types |
