Lending a hand for more borrowers

Northpointe Bank’s Expanded Access loan program is designed for borrowers with a seasoned credit or housing event or imperfect pay history. With loan amounts up to $1,500,000 and loan-to-value ratios up to 85%, we provide financing solutions for more borrowers.

Program features:
  • Maximum loan amount of $1,500,000
  • Eligible for cash out refinance
  • 30-year fixed and 5/6, 7/6 ARM, with interest-only options
  • 40-year terms with 10 year interest-only options available
  • Loan-to-value ratios up to 85%
  • Minimum credit score of 600

  • Debt-to-income ratios up to 55%
  • Eligible for primary homes, second homes and investment properties
  • Alt Doc options available, including 12 or 24 month bank statement options
  • Prior credit or housing event at least 2 years seasoned
  • Available in all 50 states and Washington D.C.

A PDF flyer of this program is
available for download


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Investor product information is not intended for consumer distribution.