Curious About Rates?

With our competitive rates that are lower than most, give us a call today to compare, we think you’ll be surprised.

PCL is pleased to offer Just Missed the Mark Credit alternatives for borrowers who can demonstrate the ability to repay, but otherwise don’t meet agency guidelines due to various reasons, great program for the self employed including:

  • Prior Housing/Credit Events

  • Foreclosure 2 years

  • Short Sale 2 Years

  • BK 2 Years

  • Up to 90% LTV

  • Mortgage late 1×30

  • S/E Business Banks

  • Use Middle Score of Primary Wage Earner

  • No Prepayment Penalty

  • FICO Score 650

PCL is pleased to offer Non-Conforming credit alternatives for borrowers who can demonstrate the ability to repay, but otherwise don’t meet agency guidelines due to various reasons, including:

  • Prior Housing/Credit Events

  • High DTI up to 50%

  • 5 Different Programs A-C

  • BK 3 years – settled

  • Foreclosure 3 years – settled

  • Short Sale 2 years – settled

  • Purchase to 90% LTV

  • FICO as low as 500

  • No Prepayment Penalty

  • 30 year Fixed

  • SE 24 months Business Bank Statements

  • Non-Owner

  • Loan Amounts $2mil+