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Will Pinnick President

of Home Loans By U, Inc.

Thank you for the opportunity to

to earn your business and we look

forward to becoming your family's 

trusted Home Loan experts.

Loan Options with Low Credit Scores

At Home Loans By U, Inc. We have access to every Home Loan Option available in the market. 

Just because you have Low Credit Scores does not mean you should keep paying rent or nor be able to access equity out of your Real Estate property.

Credit Event

  • 1 Day out of Foreclosure

  • Short Sale or Bankruptcy


Foreign National

  • Non-U.S. Credit Accepted


Credit Scores Starting at 500

  • Up to 80% LTV


Owner Occupied, Second Home and Investment Properties

  • DTI up to 50%


30 Year Fixed- No Prepayment Penalty

  • Gift Funds Allowed



  • Purchases Up to 75%

  • No Cash Reserves

  • Cash-out with Short Sale Settled to 70% LTV

  • Purchase with Bankruptcy or Foreclosure > 2 years to 75%

We also have Private Lending or Hard Money available to help you accomplish your Goals.

NMLS ID: 398557

Family Service   Fast Closings   More Options 

                  Available 7 Days a Week

Talk to one of our dedicated Home Loan Experts


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