No credit or income verification is required. Buy any home* listed on the market for sale in Texas – even a brand-new home.
Learn more today Alternative Financing
We are Houston area Real Estate Agent are here to help you get into a new home Today.
Begin your home search today here
No Credit Check or Income Verification
We can help you buy a home with bad credit.
Find out More today bimbuyer.com/SG0713
What do I need to qualify?
You must be able to come up with at least a 15% down payment. 20% is ideal.
For example 15% down payment on $200,000 home is $30,000.
Do you have an IRA or a 401k?
If yes: Do you know that you can borrow from your IRA or 401K.
Home expensive of a home can I Purchase?
This program is geared for single-family homes in the price range of $180,000 to $2,000,000.
Is there an Income Requirment?
There is no income requirements to purchase a home. Your Cash is your Credit.
Are there any other Important Rules?
Yes, you must live in the home as an Owner Occupant.
Can I purchase a Condo?
No, this program is not for Condos, Mobile Homes, or Land. Only single-family homes in livable condition.
Can I qualify if I am self-employed with a non-verifiable income?
Yes, your cash is your Credit, you won't be asked to show bank statements or tax returns.
Where Can I find out more?
Start today Click here
Non-QM vs. Qualified Mortgage Non-QM loans are an alternative to qualified mortgage (QM) loans. This means we are able to offer a chance of home ownership with good rates to a wider range of people!
Non-QM is the fastest-growing segment of non-traditional lending. A loan solution for a borrower with unique financial circumstances, it does not fit the mortgage mold typically associated with conventional government-backed loans. Apply today
Qualification for a Non-QM loan is quick and stress-free. Our Non-QM specialists can identify what types of loans would best fit a borrower’s financial needs and are available to assist every step of the way. Preapproval is fast and easy. Contact Us and fill in the information sheet to get started.
Flexibility in our credit requirements is what makes all the difference.
Your borrowers demand flexibility. And that's why our Expanded Credit Program tackles your hard-to-qualify loan scenarios with proven success. Take advantage of our more lenient credit requirements with only a 580 minimum FICO score and bank statement options that will allow you to secure loans for a broader range of borrowers.
Our Foreign National Program ensures that financing a mortgage for non-U.S. citizens is as simple as possible. Our program enables purchasing, refinancing, or investing in U.S. real estate regardless of the citizenship status of your borrower. Our mortgage specialists are trained to help you secure the right foreign national financing for your borrowers.
It's likely that you'll have a lot of questions when buying a home. Finding out how much house you can afford is the first step. Our easy-to-use calculator uses your monthly income and projected loan term to calculate your monthly payments. Build your personalized home buying team once you know your estimated home affordability.
This is the most common loan option and meets the needs of most people. Due to lack of government backing, they do require better credit to qualify. The overall cost is typically lower than most comparable government-backed loans. Read more
Do you want to know if you can qualify for convection Loan? Apply Today
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Amber Gifford, Trec Lic. #0732687
Scotty Gifford TREC Lic. #0740987
Scotty Gifford NMLS ID # 2357310
We lending id # 1457930
Broker is FYI Realty Katy. INVEST IN YOUR FUTURE
We also have a Humble office, FYI Realty Humble
Broker is FYI REALTY, Lender is WE Lending