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Important Information - Please Read
Arc Home LLC is not currently licensed to conduct residential mortgage lending activities in Hawaii and Nevada and this site is not intended for use by consumers seeking to obtain residential mortgage financing in either state.

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Clean Slate Program

Clean Slate program helps individuals who have had credit challenges, bankruptcy, or recent foreclosures^.

Arc Home’s Clean Slate is ideal for those who have had recent credit events which are not typically eligible for conventional financing.

  • Available for Cash Out Refinance, Rate and Term Refinance or Purchase
  • Primary, Second Home or Investment properties
  • Options to qualify using 12 or 24 personal or business bank statements or assets in lieu of employment available*
  • Loans up to $3 million
  • Credit scores as low as 620
  • Borrow up to 80% of the value of the property

^ Requires 12 months seasoning * Additional documents may be required for eligibility.

Frequently Asked Questions:

What is a Clean Slate mortgage?

Clean Slate loans allow eligible borrowers with recent credit events (foreclosure, bankruptcy, short-sale, or deed in lieu) to qualify for a mortgage. These loans are often a great option for borrowers who are on the road to repairing their credit.

How do I qualify for a Clean Slate mortgage?

Eligible borrowers can qualify using W-2s/Tax Return/Paycheck stubs, 12- or 24-month bank statements, or personal assets. Borrowers must have at least 12 months seasoning from foreclosure, bankruptcy, and short sale.

Are Investment Properties eligible for Clean Slate Mortgages?

Yes. Primary, Second Homes and Investment Properties are eligible. Additional reserves may be required for additional financed properties.