Radiant New Horizon Homes.com


Here at DR Investment Properties (aka "Dr. I"), our mission is to find solutions for those with credit or other issues. That being said, we have searched many "haystacks" for "needles" and what we have assembled here is "Dr. I's Golden Needle in a Haystack Lending Team" as these aren't ordinary "needles" (some of which we found were "rusty" - don't want anyone to get tetanus...) but instead they were "needles" made of gold and our aim is to provide you with nothing less than the best ! Some of our "needles" may even be platinum !

Below are our recommended lenders. Each offers something unique to help you get financing when others say 'no'. These include lower credit score loans and lower employment time requirements plus down payment and closing cost assistance.

River City Mortgage

Why use River City Mortgage ?

  • USDA and VA loans (100 % financing) with credit as low as 500
  • FHA loans with credit as low as 580 (3.5 % down required)
  • FHA loans with credit as low as 500 (10 % down required)
  • Unique manual underwriting services designed to approve difficult situations (including self-employment)
  • Closing cost assistance
  • Low interest rates
  • States: AL, AZ, CA, CO, CT, DE, FL, GA, IA, IN, IL, KY, MA, MD, ME, MI, NC, NH, NJ, OH, OR, PA, RI, SC, TN, VT, WA


North Point Mortgage

Why use North Point Mortgage ?

  • Specialists dedicated to get you the best possible loan terms.
  • 203 K loans available
  • Low interest rates
  • Fast service with detailed progress updates
  • Closing cost assistance
  • States: CT, MA, ME, NH, NJ, PA, RI, VT

HDF (Housing Development Fund)

Why use HDF (Housing Development Funds) ?

  • Down payment assistance (650 or better credit required)
  • High DTI (Debt-to-Income ratio) loan programs
  • 100 % financing (non-VA) loans
  • Home buyer counseling, education and lending services
  • Closing cost assistance
  • Investor programs
  • Low interest rates
  • States: CT, MA, NY

Thomaston Savings Bank

Why use Thomaston Savings Bank ?

  • CHFA loans (600 or better credit required)
  • Only 3 % down required
  • No Private Mortgage Insurance (PMI) required
  • Appraisal fee rebate at closing
  • Only 1 year employment time required
  • Non-traditional or limited credit history okay (including self-employment)
  • Low interest rates
  • States: CT

ACC (All Credit Considered) Mortgage

Why use ACC (All Credit Considered) Mortgage ?

  • No minimum credit score owner-occupied loans available
  • High DTI programs
  • Bankruptcies, foreclosures and short sales okay
  • Closing cost assistance
  • Foreign national programs
  • Investor programs
  • States: AL, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, MD, MI, MN, MS, NC, NJ, NV, OR, OK, PA, SC, TN, UT, VA, WA

If you would like to contact any of our "Golden Needle in a Haystack" lenders,


for full names, phone numbers, email addresses, etc. for all our "Lending Team"