ALLIED EQUITY A Diversified Mortgage Company
400 North Mountain Ave., Suite 223, Upland, CA 91786
Phone  909-932-9226 Fax  909-803-9840

1 year out of a Bankruptcy / Foreclosure / Shortsale / Negative Credit- 1 year minimum required

Since life events can happen at anytime, and can affect your current financial circumstances beyond your control. There are a few options available if you have had a BK / Foreclosure / shortsale atleast 1 year since the event.

These are the basic criteria for a loan approval:

 Allied Equity's credit event mortgage  product lets you leave your negative credit history in the past and focus on your financial future. This is designed for borrowers who have suffered a mortgage credit event such as bankruptcy, foreclosure, or short sale, and who do not meet agency guidelines. Now, a past bankruptcy or foreclosure doesn't have to be a roadblock to your client's dreams of homeownership.


  • Non-QM (non-conforming loan)
  • Up to 50% DTI (can have higher debt ratios)
  • 620+ FICO
  • 1 year seasoning on derogatory credit such as bankruptcy, foreclosure, and short sale
  • Up to $1.5M loan amounts
  • Up to 75% LTV (on a purchase, you would need about 25% down payment)
- The goal is to re-establish your credit and housing history, and after a few years, you can re-qualify for a conventional loan as a goal, but, this allows you to be a current homeowner again faster than having to wait for a few years.

For more info on this loan or other loan products, please use the following links to contact me or apply online:


Apply Online

Contact Me

Buyer Reports 







NMLS 359382

BRE LICENSE 01201910




Joe Sanchez
Allied Equity
Ph: 909-932-9226Fax:909-803-9840
400 North Mountain Ave., Suite 223
Upland, CA 91786 US
CA DRE License # 01201910, NMLS: 359382, Company ID: 359090
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