CLEAN SLATE EXPANDED

We expanded Access Clean Slate across Full Doc, Alt Doc, and DSCR with more flexible seasoning, housing history, and qualification requirements, helping you say “yes” to more borrowers.

What's new and what it means for you

  • More Borrowers - Expanded eligibility across Full Doc, Alt Doc, and DSCR

  • Earlier Eligibility - More flexible seasoning after credit events.

  • More Forgiving History - Updated housing payment history requirements.

  • Higher LTVS - Increased leverage on select property types.

  • Lower Cash Requirements - Reduced reserve requirements - more cash in your clients’ pockets.

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Who should you revisit?

You may have borrowers who now qualify under the expanded Clean Slate Program.

  • Borrowers who filed bankruptcy (BK7 & BK13)

  • Borrowers who experienced foreclosure

  • Borrowers who completed a short sale

  • Borrowers who executed a deed-in-lieu

  • Borrowers previously declined due to seasoning

  • Borrowers previously declined due to reserves

  • Borrowers who need alternative documentation