Capital Lending Network, Inc.(CLN) has a national reputation of being able to approve and close home loans where other lenders cannot due to its no lender overlays platform on government and conventional loans. CLN can approve and close FHA loans down to a 500 credit score with an approve/eligible per automated underwriting system. There is no minimum credit score requirements on VA loans. However, most lenders will require a 620 FICO or higher on VA loans due to their lender overlays. Capital Lending Network, Inc. has no lender overlays on VA mortgages. Capital Lending Network, Inc. has no minimum credit score requirements or maximum debt to income ratio cap on VA loans. We have approved countless VA loans with 500 credit scores. 
The VA does not have any maximum debt to income ratio caps on VA loans with an approve/eligible per AUS. There are no maximum loan limit on VA loans. Capital Lending Network, Inc. has zero lender overlays on VA loans. As long as you get an approve/eligible per AUS on a VA loan, CLN will approve and close your loan. Capital Lending Network, Inc. can approve FHA and VA loans for borrowers who are in Chapter 13 Bankruptcy repayment plan without the bankruptcy being discharged. Borrowers need to be in the Chapter 13 Bankruptcy repayment plan for at least 12 months. Timely payments to the trustee for the past 12 months and trustee approval is required.
There is no waiting period after Chapter 13 Bankruptcy discharged date. Chapter 13 Bankruptcy discharge that has not been seasoned for two years needs to be manually underwritten. Borrowers with late payments after bankruptcy and/or foreclosure can qualify for a mortgage at Capital Lending Network, Inc. as long as they get an automated approval per AUS. Capital Lending Network, Inc. offers non-QM loans one day out of bankruptcy and/or foreclosure. CLN also offers bank statement loans for self-employed borrowers with no income tax required. Capital Lending Network, Inc. offers 90% LTV bank statement loans for self-employed borrowers with no maximum loan limit and no private mortgage insurance required.
Capital Lending Network, Inc. offers ITIN loan programs and financing for foreign nationals. CLN has a wide variety of loan programs on investment properties for real estate investors such as fix and flip mortgages, asset-depletion, no income rental loans, and blanket line of credit on investment properties.