I’m constantly on the lookout for new lending trends to better serve my clients. Recently available are two new loan programs designed to help more buyers, including those who have been turned down by other lenders. If you or someone you know is recovering from a recent foreclosure, bankruptcy, or a history of late mortgage payments, it is easier than ever to get financing. Homeowner’s Access is a loan product that may qualify borrowers with a history of 30- or 60-day late loan payments. Other features include a minimum 610 FICO score, only 2 years seasoning for bankruptcies, foreclosures and short sales. The other loan program is Fresh Start. This allows a minimum 580 FICO scoring and eliminates seasoning requirements for bankruptcies, foreclosures, and short sales. Best of all, both Homeowner’s Access and Fresh Start allow my clients to receive 100% gift funds from family members. Now, more than ever, I am able qualify more challenged borrowers for home ownership.