All Forum Posts by: Account Closed

Credit increased and sitting on another 100k cash now.  400k+ liquid cash.  

yeah i need to work on the credit i guess.  super annoying.  literally zero debt and the only negative items on it are some late payments to a CC (just didnt have autopayment on, it's like $23 dings here and there). 

I want to buy a 300k property and i have over 300k cash and a company with 7 figures revenue, but cant get a loan anywhere near FHA rates. wild world we live in.

Hi Guys, as subject mentions i'm interested in trying to find a private lender that can offer low rates for higher LTV on primary residence property.

I'm in a situation where i'm newly self employed (1.5 years) so dont have enough tax records to qualify for FHA lending. I also have zero debt (student loans paid off, bought and paid off multiple cars, etc), but my credit score isnt amazing just mostly cause of lack of accounts (lets call it around 620 fico 8, higher on credit karma).

In the last 12 months, my company (LLC, sole owner) did over 1.2m in revenue, and i have cash to put a good % LTV down.

Is there any lenders out there that have programs that can work for me?  Feel like given my company is doing really well and i have good cash flow and no debt it shouldnt be this hard to find a decent loan.