Our Programs

Flexible Financing

For homebuyers whose financing needs can’t be met by other lenders, or homeowners needing to refinance, portfolio loans offer a flexible and fair alternative. Compared to other sub-prime loans, Self-Help Flexible Financing Loans provide reasonable interest rates with extremely low fees and no private mortgage insurance. Based on employment and credit stability, clients may qualify to finance up to 97% of a home's value. These loans offer flexibility around such issues as debt-to-income ratios, delinquencies on credit, lack of credit history, and outstanding collections.  For customers with a credit score, Self-Help requires a minimum of a 580.  These loans work well in conjunction with local second mortgage programs. Down payment assistance is sometimes available.

Manufactured Homes

Purchase and refinance loans for existing doublewide homes built after 1994.  Financing up to 95% of the home’s value.

Program sponsored in part by

CFED - Expanding Economic Opportunity

 

All Government and Conventional Loans

Self-Help funds an array of government and conventional loans at low rates and fees for qualifying customers.