Prime Access offers flexible solutions for a wide range of borrowers. If your client has strong credit but needs financing outside of agency guidelines, Prime Access may be the right solution.

Self-Employed Borrowers

Business owners and self-employed borrowers can qualify using bank statements or 1099 income, helping to accurately reflect their true cash flow.

Borrowers with Strong Credit

Prime Access is built for borrowers with solid credit profiles who may not fit traditional agency guidelines but have the ability to repay.

Real Estate Investors

Investors can qualify using Investor Cash Flow (DSCR), allowing eligibility to be based on the property’s rental income rather than the borrower’s personal income. First-time investors are not eligible for the DSCR option.

First-Time Homebuyers

Eligible first-time homebuyers can take advantage of flexible options for primary residences and second homes through the Full Documentation, Bank Statement, and 1099 Only programs.

Borrowers with Non-Occupant Co-Borrowers

In certain situations, a related non-occupant co-borrower may help strengthen the application.

Choose the program that best fits your borrower’s financial picture.

Investor Cash Flow (DSCR)

Qualify based on the rental income of the property instead of the borrower’s personal income.

Prime Access may be the right solution when a borrower has strong credit but unique income circumstances, invests in real estate, or needs a flexible financing option outside of traditional guidelines.

Prime Access is not available for foreign nationals, non-permanent resident aliens, ITIN/EAD borrowers, certain trust structures, or mortgage professionals outside the Full Documentation program. Additional restrictions may apply.