Скачать или смотреть Credit Score As Low As 620? | Expanded Mortgage Lending Guidelines For Credit-Rebuilding Borrowers

*If your credit isn't perfect, this video is for you.*

Most lenders will reject you the moment they see a bankruptcy, foreclosure, or credit score below 700. But here's what they won't tell you: *A past mistake shouldn't define your financial future.*

In this video, I break down my First Look Flexible Lending program—designed specifically for credit-rebuilding borrowers who don't fit into conventional lending boxes.

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📋 WHAT YOU'LL LEARN:

✅ You can qualify with a credit score as low as 620
✅ When you can apply after bankruptcy or foreclosure (36 months!)
✅ Loan amounts up to $2 million
✅ Cash-out refinance up to $500,000
✅ You can use cash-out toward reserve requirements
✅ Disputed tradelines DON'T need to be removed
✅ The "primary wage earner" credit score advantage

🎯 WHO THIS IS FOR:

Credit scores 620-680
3+ years past bankruptcy or foreclosure
Recent late mortgage payments (1x30x12 allowed)
Married couples where one spouse has better credit
Anyone told to "fix your credit first"

💡 PROGRAM HIGHLIGHTS:

*LOAN AMOUNTS & LTV:*
Loans up to $2,000,000
Up to 80% LTV (purchase & rate-term refinance)
Up to 75% LTV (cash-out refinance)
Cash-out up to $500,000

*CREDIT REQUIREMENTS:*
Minimum credit score: 620
36-month seasoning from bankruptcy/foreclosure
1x30x12 mortgage history allowed
Primary wage earner FICO used for qualifying
No need to remove disputed tradelines
Cash-out allowed toward reserves

🔍 KEY FEATURES EXPLAINED:

*The 36-Month Rule:*
Most conventional lenders require 7 years after bankruptcy or foreclosure. With First Look, you can qualify in just 3 years. If your bankruptcy was discharged in January 2022, you could qualify as early as January 2025.

*Primary Wage Earner Advantage:*
If you're applying with a co-borrower, we use the primary wage earner's credit score for qualifying and pricing—not the lowest score. This can save you significantly on rates.

Example: Spouse A earns $100K with a 640 score. Spouse B earns $40K with a 720 score. We use the 640 score from the primary earner for better overall pricing.

*Cash-Out Flexibility:*
Cash out up to $500,000 for home improvements, debt consolidation, or building reserves. You can even use cash-out proceeds toward your reserve requirements—huge for borrowers with equity but limited liquid savings.

*Disputed Tradelines:*
Most lenders force you to remove disputed items before approval, delaying your mortgage by months. First Look doesn't require this. We understand credit-rebuilding borrowers are actively working through disputes.

*Recent Late Payments:*
One 30-day late mortgage payment in the last 12 months? Most lenders deny you immediately. First Look allows 1x30x12 because we understand life happens.

💰 REAL-WORLD EXAMPLES:

*Scenario 1: The Comeback*
Credit: 640 | Bankruptcy: 3 years ago | Income: $95K | Purchase: $400K home
*RESULT:* APPROVED - $320,000 loan (80% LTV)

*Scenario 2: The Equity Unlock*
Credit: 625 | Home Value: $600K | Current Mortgage: $250K | Needs: $100K cash
*RESULT:* APPROVED - $450,000 cash-out refi (75% LTV)

*Scenario 3: Dual Income Win*
Spouse A: $120K, 630 score | Spouse B: $50K, 710 score | Foreclosure: 36 months ago
*RESULT:* APPROVED - $400,000 loan using primary earner's 630 score

🚀 READY TO GET APPROVED?

If traditional lenders said "no" or you're worried about your credit history, let's talk.

📩 Send me a DM with "FIRST LOOK"
📧 Email: See Channel Links
📞 Call/Text: "If you KNOW my name, the you KNOW my number!"
🌐 Website: See Channel Links

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🔔 SUBSCRIBE for:
Non-QM lending options
Self-employed mortgage programs

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💬 COMMENT BELOW:
What's your biggest mortgage challenge?
Have you been denied due to credit issues?
Questions about First Look?

I respond to every comment!

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📱 CONNECT:
Instagram: @lukeroasst | Facebook:   / lukeroasst   | LinkedIn:   / lukeroasst   | Twitter(X): @lukeroasst

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⚠️ DISCLAIMER:
Educational purposes only. Not financial or legal advice. Loan terms subject to change and credit approval. Equal Housing Opportunity. NMLS# 2311093

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