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Qualify with late mortgage payments, a recent short sale or bankruptcy



Homeowner’s Access is one of our Portfolio Lending Suite of home financing solutions. These loans are designed to assist borrowers who can prove their ability to repay a mortgage, but may not qualify for traditional mortgage financing.



If you have a history of late mortgage payments

If you’ve recently had to declare
Chapter 13 bankruptcy

If you recently went through a short sale
to avoid foreclosure

If you have a 610 minimum credit score

You may qualify for Homeowner’s Access!


Shorter waiting times, or “seasoning”, after a bankruptcy, foreclosure, deed in lieu or short sale. You may qualify for home financing just two years after a bankruptcy or foreclosure – sooner after a short sale!

Acceptance of non-traditional credit histories. For example, if you can prove you’ve paid your rent, utility and cell phone bills on time, this can help you qualify for Homeowner's Access.

Higher debt-to-income (DTI) ratios up to 50%.

Your family members may help you by providing 100% of your down payment and closing costs in the form of gift funds.



Caliber is committed to assisting more borrowers with achieving their dreams of home ownership by providing affordable, personalized lending solutions. Your local Caliber Loan Consultant can help you apply for financing and answer all of your questions.

How much can I borrow?

The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Caliber.

Go to Calculator

Fresh Start

Designed to elevate your opportunities in the housing market and get you back on your feet, the Fresh Start program boasts features such as low down payments and favorable credit score requirements. Is Fresh Start for you?

More About Fresh Start

Team Awesome Sauce and Good Gravy
Loan Consultant
29012 Mallard St. Dallas, TX 75093
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