Alliance Mortgage has few home loan and refinancing programs that do not require FICO Scores. We have some limited programs where FICO scores are not the main criteria. The maximum loan to value is 70% on these loans. These are special loans that we do provide on a case by case basis.

• Notice of Default or Foreclosures proceedings
• Foreign Nationals with no credit history
• Recent Bankruptcy no established credit
• Recurring 120-day lates or multiple 90 day lates on credit
• Unseasoned homes loans.

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