Expanded Credit Loans

Do you have a borrower that has current or past credit challenges? There are multiple products available that can help, depending on the circumstances, financing needs, and other compensating factors.

Product highlights

Designed for borrowers with recent or past credit events
One-day seasoning for bankruptcy, foreclosure, or short sale (program dependent)
Loan amounts from $100,000 to $4,000,000
Multiple loan terms available including40-year and interest-only terms
Owner-occupied, second homes, and investment properties eligible
Single-family, townhome, condo, and 2–4 unit properties allowed
First-time homebuyers permitted
ITIN eligible

Borrower advantages

Multiple solutions available for borrowers who have had difficulty obtaining financing for primary, secondary or investment properties
Qualify for financing in as little as one day after bankruptcy discharge, settled foreclosure, short sale, etc.
Multiple fixed and Adjustable loan programs including interest-only options

Realtor advantages

Expand your purchase pipeline with buyers who could not previously qualify due to a recent credit event or financial hardship
Create buzz and positive reviews by offering a program that assists those who need non-traditional financing to get them into their dream homes faster
We offer programs that don’t require a valid Visa

What Clients Say About Us

“Daniel was great! Very efficient and very friendly. He always got back to us in a timely manner and always called us to explain things rather than just texting. Very personable guy! Very quick as well! We closed 2 weeks sooner than expected. I cannot say enough nice things about preferred rate, I definitely recommend them to everyone!”

Megan H

“I cannot put into words how amazing Dan and his team were during this whole process. They consistently went above and beyond to ensure I was fully taken care of. Not working with a realtor was a bad call on my part, but Dan was there every step; and a few bumps, offering unbiased advice and making sure I was taken care of. This momma and her girl tribe finally have a place of their own to call home; I am so thankful for Dan and his team!”

Savannah C

“This is my second home purchase using Dan. He is great to work with, he explains everything and is always there to answer any questions.

Update: When rates dropped early October 2025, Dan reached out to let me know and we knocked the refinance quickly. Dan is also always quick to answer questions no matter time or day of the week. No one else I’d rather do business with.”

Nate W

“We don’t have enough good things to say about Bihn Group! We tried to buy a house years ago and were consistently disappointed, houses sold out from under us, etc. so we gave up! We reached out to Dan this time around and he was so efficient and kind about everything! He answered all of our questions with honesty and we were so lucky to find our dream house as quickly as we did. Our son hasn’t stopped running around in our yard since we moved in! Thank you, Dan and Bihn Group for helping us achieve this goal in life!”

Taylor S

“Thank you for making a dream a reality. For years my husband, kids and I would talk about the perfect house we would have one day. It’s easy to find a house but difficult to get the keys and even more difficult to tell your kids this one didn’t work out. Dan, thank you for directing and clearing the path to our new home. We are extremely grateful!”

The McCulley’s