A Credit Event Is Not The End Of The Story.
Loans from $150,000 to $2 Million for buyers two or more years past a housing event, qualified with full documentation or bank statements.
Shorter waiting periods after a setback.
However your credit got here, there’s likely a path that fits.
- Loans from $150,000 to $2 Million
- Two or more years past a housing event
- Buyers rebuilding after a setback
- Purchase or refinance on eligible occupancy types
- Purchase, rate-and-term refinance, and cash-out available
- Fixed and adjustable rate options
- Financing to 85% of value on this route*
Loans from $150,000 to $2 Million
Two or more years past a housing event
Primary, second home, or investment property
Full documentation or bank statement qualifying
Two to four units, condominiums, and cooperatives eligible
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Fresh Start Home Loan?
A loan for buyers whose credit is recovering
The Saxton Fresh Start Home Loan is built for buyers who are past a foreclosure, short sale, or bankruptcy and do not want to wait the full seasoning period most programs require.
Qualify with full documentation, streamlined documentation, or twelve to twenty-four months of bank statements. Loans run from $150,000 to $2 Million, generally starting around a 660 credit score.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, including two to four unit properties and condominiums.
Why choose the Saxton Fresh Start Home Loan?
Built for buyers whose credit tells an old story rather than a current one.
After A Foreclosure
Buy again sooner than the standard waiting period on most programs allows.
After A Short Sale
A short sale in your past does not have to sideline you for years.
After A Bankruptcy
Discharged and rebuilding, with a shorter runway back to ownership.
Rebuilding Credit
Recent payment history carries more weight than an old event.
Equity After A Setback
Access equity in a home you held onto through a difficult stretch.
Waiting Periods Run From Discharge
The clock starts at the discharge date rather than the filing date, which is earlier than most people assume.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about buying after a bankruptcy or a foreclosure.
This program requires two or more years of seasoning after a housing event, which is shorter than the waiting period most programs require.
A foreclosure, short sale, deed in lieu, or bankruptcy. A licensed loan officer will confirm how your situation is treated.
Loans run from $150,000 to $2 Million on this program.
This program generally starts around a 660 credit score. Recent payment history is reviewed alongside the event itself.
Full documentation, streamlined documentation, or twelve to twenty-four months of bank statements. Asset-based, profit and loss, and employer verification routes are not available on this program.
Primary residences, second homes, and investment properties, including two to four unit properties, warrantable condominiums, cooperatives, and non-warrantable condominiums.
Yes. Cash-out refinancing is available, with limits that vary based on the equity remaining in the property.
Find out what you qualify for
Whether you’re buying again or refinancing what you kept, there’s likely a Saxton Fresh Start Home Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.