When banks say “no” we take a Second Look

SELFi specializes in finding mortgage solutions for customers that do not fit bank guidelines. Loan programs include: 

  • Purchase or cash-out down to 450 credit score
  • FHA purchase with only 3.5% down
  • VA cash-out to 100% of the appraised value with 500 min credit score.  
  • FHA cash-out to 85% of the appraised value with 500 minimum credit score
  • No Doc investment property financing
  • Bank statement only for Self-Employed
  • Mortgage lates or housing event are okay
  • Foreign nationals with no SSN or ITIN required

Honest advice. Licensed mortgage coaches. Tell us how we can help:

This helps us with our initial assessment.

Real solutions. Not a guilt trip.

Life happens. We get it. There is no judgement here. We love to help people consolidate debt, purchase a dream home, or get on better financial footing. 

How we take a Second Look:

1. Review your options

Tell us about your financial situation and goals. A licensed mortgage coach will examine your situation and provide honest advice. We do not believe in high pressure sales. With access to thousands of loan programs we can often find solutions that benefit you. 

2. Apply online, quickly and securely

SELFi matches your application with the lender best suited for  your particular situation. We do not sell your data. Instead we guide you every step of the way.

3. Close your loan

After you apply, you are assigned an experienced loan processor to assist you with your mortgage application. SELFi is paid by the lender, not you. We never collect fees from you. 

Our most frequent question: What’s the catch?


“I will admit I was skeptical at first. I remember asking “what was the catch?” No catch. Everything was truthful. I would honestly recommend using SELFi.”

– Lisa K., FL

“I was kept abreast of everything that was happening with my refinance and saved a lot of money. Trust me, you won’t regret the choice to use SELFi. ”

– Lakeita D., FL


“SELFi was able to help me when every other lender said no.”

– Melba S., FL

Trusted. Experienced. Secure.

SELFi is a digital mortgage broker and a licensed corporation. Our NMLS ID # is 1724835.

The founder of SELFi has helped over 1,000 homeowners with their mortgage.

We’re serious about security and use bank level standards to ensure your personal information is securely stored.

We do not sell your information. We do not call you non-stop. We never bait and switch.

Our mission is to help you achieve financial freedom.

When lenders say no, we take a second look.

Ready to find your lowest rate?