{"id":1313,"date":"2018-10-02T17:28:54","date_gmt":"2018-10-02T17:28:54","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=1313"},"modified":"2024-02-02T19:56:31","modified_gmt":"2024-02-02T19:56:31","slug":"bypassing-the-big-banks-for-a-home-loan","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/mortgage\/bypassing-the-big-banks-for-a-home-loan\/","title":{"rendered":"Bypassing The Big Banks for a Home Loan"},"content":{"rendered":"<p>When it comes to securing a home loan, every &#8220;big bank&#8221; has a set of criteria they use to discern whether or not to award a loan:<\/p>\n<ul>\n<li>A DTI (debt-to-income ratio) of 43% or less<\/li>\n<li>A 20% down payment<\/li>\n<li>A 720+ credit score<\/li>\n<li>6, 9,12 or 18 months of assets\/reserves<\/li>\n<li>4 to 7 years removed from a bankruptcy or major credit-hurting \u201clife\u201d event<\/li>\n<\/ul>\n<p>Do you meet these criteria?\u00a0<strong>It\u2019s OK if you don\u2019t\u2014<\/strong>they\u2019re pretty stringent (e<i>specially<\/i>\u00a0for self-employed professionals).<br \/>\n<div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div>\n<p><strong>Here\u2019s the good news:<\/strong>\u00a0there are\u00a0<a href=\"https:\/\/web.griffinfunding.com\/e2t\/c\/*W5zmXLx4MlZnRW2t5g_D5Ngpdd0\/*W2b5vqV8CFLXsW2FwRd54Gp0jw0\/5\/f18dQhb0SnGZ9jNpXTW3PRvyC51dBV-W121Xvg8pTbB4W2zQL1R3YjcWzW2K4R9r8ZkDJkW1ThtNC8X4hByW30b0qz8-y10rW8_h6Vt558q7XW55k_hf2KWxRvW8_dDry4bJ02hW4b_rKw7MbC2XW36Qv447t8FZlW2dfJbc4LHcwwW1mDzKH5RpDTCMkY8694Bxg-N8FTr5v7b5PwW52r0G155WFbNV50LVx7mWsnXW7dz8FN1nY85cW1nbj7V3WdqG0W6Pkt_V62_rW_W6P4lCX6jn8MtW96dt4S4r1QvYW80C6c07cvxVfN8q5qBxVQf4XN5vDhWYTpZBQW3dGVT23PnwdXW3dWCT32xQ5-GW3csvXc24X0p-VN-2gw4VCQ7kW5x-FNN1mZKspN4SdLXqfMxwHVXmZTC5v__CvW5C4PpH5D4gn5V-3TkW3NblrHW6PPSm01lRZ2SW4rP9YQ8rBcwSN8GclM4bWM94N2-T3gm6Y9ktTTrJm5xQdDxW2-sdMN2sRvwBW3W13sb5kl_f0V215-p1Jp46FW8BN9h87C5M-hW4S3_mH7LRcBtW88S5dW1nTXffN5prVwhLG01PMrTzpY1l-6Pf38KM_203\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/web.griffinfunding.com\/e2t\/c\/*W5zmXLx4MlZnRW2t5g_D5Ngpdd0\/*W2b5vqV8CFLXsW2FwRd54Gp0jw0\/5\/f18dQhb0SnGZ9jNpXTW3PRvyC51dBV-W121Xvg8pTbB4W2zQL1R3YjcWzW2K4R9r8ZkDJkW1ThtNC8X4hByW30b0qz8-y10rW8_h6Vt558q7XW55k_hf2KWxRvW8_dDry4bJ02hW4b_rKw7MbC2XW36Qv447t8FZlW2dfJbc4LHcwwW1mDzKH5RpDTCMkY8694Bxg-N8FTr5v7b5PwW52r0G155WFbNV50LVx7mWsnXW7dz8FN1nY85cW1nbj7V3WdqG0W6Pkt_V62_rW_W6P4lCX6jn8MtW96dt4S4r1QvYW80C6c07cvxVfN8q5qBxVQf4XN5vDhWYTpZBQW3dGVT23PnwdXW3dWCT32xQ5-GW3csvXc24X0p-VN-2gw4VCQ7kW5x-FNN1mZKspN4SdLXqfMxwHVXmZTC5v__CvW5C4PpH5D4gn5V-3TkW3NblrHW6PPSm01lRZ2SW4rP9YQ8rBcwSN8GclM4bWM94N2-T3gm6Y9ktTTrJm5xQdDxW2-sdMN2sRvwBW3W13sb5kl_f0V215-p1Jp46FW8BN9h87C5M-hW4S3_mH7LRcBtW88S5dW1nTXffN5prVwhLG01PMrTzpY1l-6Pf38KM_203&amp;source=gmail&amp;ust=1538586577500000&amp;usg=AFQjCNH5EnsaHI3w5QVKckYg3Cf-aS5hDQ\">loan programs for self-employed individuals<\/a>\u00a0that \u201cexpand\u201d the above criteria:<\/p>\n<ul>\n<li>You can put as little as 5% to 10% down<\/li>\n<li>You can have a 55% DTI<\/li>\n<li>You can have a 580 credit score<\/li>\n<li>You can have a credit-affecting &#8220;life event&#8221; as little as a few months ago<\/li>\n<\/ul>\n<p>Now, the above lineup probably seems too good to be true,\u00a0<strong>and it is at first glance.<\/strong><\/p>\n<p>It all comes down to\u00a0<a href=\"https:\/\/web.griffinfunding.com\/e2t\/c\/*W5zmXLx4MlZnRW2t5g_D5Ngpdd0\/*W95PCqT17-nkHW4ksYNc8bCx8h0\/5\/f18dQhb0SnGZ9jNpXTW3PRvyC51dBV-W121Xvg8pTbB4W2zQL1R3YjcWzW2K4R9r8ZkDJkW1ThtNC8X4hByW30b0qz8-y10rW8_h6Vt558q7XW55k_hf2KWxRvW8_dDry4bJ02hW4b_rKw7MbC2XW36Qv447t8FZlW2dfJbc4LHcwwW1mDzKH5RpDTCMkY8694Bxg-N8FTr5v7b5PwW52r0G155WFbNV50LVx7mWsnXW7dz8FN1nY85cW1nbj7V3WdqG0W6Pkt_V62_rW_W6P4lCX6jn8MtW96dt4S4r1QvYW80C6c07cvxVfN8q5qBxVQf4XN5vDhWYTpZBQW3dGVT23PnwdXW3dWCT32xQ5-GW3csvXc24X0p-VN-2gw4VCQ7kW5x-FNN1mZKspN4SdLXqfMxwHVXmZTC5v__CvW5C4PpH5D4gn5V-3TkW3NblrHW6PPSm01lRZ2SW4rP9YQ8rBcwSN8GclM4bWM94N2-T3gm6Y9ktTTrJm5xQdDxW2-sdMN2sRvwBW3W13sb5kl_f0V215-p1Jp46FW8BN9h87C5M-hW4S3_mH7LRcBtW88S5dW1nTXffN5prVwhLG01PDtS5X6f5lKf3Y8dyY03\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/web.griffinfunding.com\/e2t\/c\/*W5zmXLx4MlZnRW2t5g_D5Ngpdd0\/*W95PCqT17-nkHW4ksYNc8bCx8h0\/5\/f18dQhb0SnGZ9jNpXTW3PRvyC51dBV-W121Xvg8pTbB4W2zQL1R3YjcWzW2K4R9r8ZkDJkW1ThtNC8X4hByW30b0qz8-y10rW8_h6Vt558q7XW55k_hf2KWxRvW8_dDry4bJ02hW4b_rKw7MbC2XW36Qv447t8FZlW2dfJbc4LHcwwW1mDzKH5RpDTCMkY8694Bxg-N8FTr5v7b5PwW52r0G155WFbNV50LVx7mWsnXW7dz8FN1nY85cW1nbj7V3WdqG0W6Pkt_V62_rW_W6P4lCX6jn8MtW96dt4S4r1QvYW80C6c07cvxVfN8q5qBxVQf4XN5vDhWYTpZBQW3dGVT23PnwdXW3dWCT32xQ5-GW3csvXc24X0p-VN-2gw4VCQ7kW5x-FNN1mZKspN4SdLXqfMxwHVXmZTC5v__CvW5C4PpH5D4gn5V-3TkW3NblrHW6PPSm01lRZ2SW4rP9YQ8rBcwSN8GclM4bWM94N2-T3gm6Y9ktTTrJm5xQdDxW2-sdMN2sRvwBW3W13sb5kl_f0V215-p1Jp46FW8BN9h87C5M-hW4S3_mH7LRcBtW88S5dW1nTXffN5prVwhLG01PDtS5X6f5lKf3Y8dyY03&amp;source=gmail&amp;ust=1538586577500000&amp;usg=AFQjCNH3XeXn1-EGsBhlKS_-s54UQblMYQ\"><i>common sense<\/i>\u00a0and\u00a0<i>balance<\/i><\/a>.<\/p>\n<p>I\u2019m happy to discuss this further with you if you have any questions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to securing a home loan, every &#8220;big bank&#8221; has a set of criteria they use to discern whether or not to award a loan: A DTI (debt-to-income ratio) of 43% or less A 20% down payment A 720+ credit score 6, 9,12 or 18 months of assets\/reserves 4 to 7 years removed<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/bypassing-the-big-banks-for-a-home-loan\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":2164,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[100],"tags":[73,72],"class_list":["post-1313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","tag-bank-statement-loans","tag-self-employed-loans"],"acf":[],"yoast_head":"<!-- This site is optimized 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