Credit 500–579
FHA loans may be possible with 10% down. Non-QM and foreclosure-bailout options can help after past credit setbacks.
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Find a place to call home, explore your mortgage options, and plan your next chapter with Prime Options & Solutions.
Credit scores 500–700 welcome
Your credit score doesn't have to be perfect to own a home
If you earn a steady middle-class income — around $50,000 to $90,000 a year — and your credit is between 500 and 700, there are real paths to homeownership. We match you with programs built for working families, not just perfect scores.
Credit 580–639
FHA with as little as 3.5% down, plus down payment assistance programs like SONYMA for first-time buyers.
Credit 640–700
More choices open up: conventional loans with 3–5% down, VA and USDA loans, and better rates as your score rises.
What a $50k–$90k income can afford
- $50,000/year: roughly $1,450–$1,800 a month for housing, often a home around $180,000–$240,000.
- $70,000/year: roughly $2,000–$2,500 a month, often a home around $250,000–$330,000.
- $90,000/year: roughly $2,600–$3,200 a month, often a home around $320,000–$420,000.
Estimates only; based on typical debt-to-income limits. Your rate, debts, taxes and down payment change the numbers.
Simple steps to improve your chances
- Pay every bill on time for the next 6–12 months.
- Keep credit card balances under 30% of the limit.
- Dispute errors on your credit report.
- Save for down payment and closing costs, or ask about assistance programs.
- Talk to us before applying anywhere else, so we can find the right program first.
A Dual Mandate of Precision
We bridge the gap between personal residential security and small business growth, providing a single point of professional contact.
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Primary Disciplines
Business Formation & Identity Management
Beyond lending, our small business division handles the complexities of business lifecycle management. Whether you're registering a new entity or executing a nationwide name change, our team ensures seamless compliance.
Regulatory Compliance
We maintain your standing with state and federal agencies through proactive monitoring.
Secure Data Handling
Your business records are protected by strict privacy protocols and careful handling.