All rights reserved Copyright © 2015 Equinox Home Financing, Inc. 

NMLS #1212805. 17291 Irvine Blvd Suite 400 Tustin, CA 92780






Do you need to buy a home or refinance but can't because you recently filed for bankruptcy, had a foreclosure, or short sale?

Equinox Home Financing offers programs for borrowers who went through recent events. These are special programs that banks can't offer because they are unconventional. Here at Equinox Home Financing, we have helped hundreds of homeowners buy a home or refinance their homes with our 1 Day out Bankruptcy, Foreclosure, and Short Sale program.

Why Equinox?

Here at Equinox Home Financing, we pride ourselves on providing solutions to buyers and borrowers with credit challenges. Banks can't offer these programs so we take pride in being experts on niche programs such as this. Call us today so we can help!

Get Started Now!

What are you waiting for?

Call us today. A licensed representative is on stand by to help you with your financing needs. There's no need to wait any longer. Get financing now!

Watch our video

Here's a simple video to help explain how the program works. Take a minute to watch this before calling if you'd like.


See what our clients are saying...

"Equinox Home Financing helped me get into a home with no income documents other than my bank statements. I highly recommend them".

Edgar Paiz, Irvine CA

"...the team at Equinox helped us get into a home when we got declined everywhere else. We are self employed and it should be this easy for everyone. Thanks guys you get 5 stars!"

Jason and Renae Dazy, Los Angeles CA

Call or Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You'll sign loan docs and your loan will fund. 



  • 1 Day out of Foreclosure, Short Sale, or Bankruptcy
  • No need to wait 7 Years
  • Low Credit Scores OK- Programs start at 500 FICO Score
  • Purchase or Refinance Loans Available
  • Equity Based Lending
  • No Pre-Payment Penalty
  • Loan Amounts up to $3 million
  • Interest Only Available
  • Fixed or ARM Programs
  • Hard Money Loans and Private Money Loans Available 
  • Owner Occupied, Vacation Home, Investment Homes Acceptable

How It Works

Recently Funded Deals

Los Angeles, CA

  • Fix and Flip
  • Purchase Price $450,000
  • Stated Income

Buena Park, CA

  • Bank Statement Program
  • 10% Down Payment

Aliso Viejo, CA

  • Stated Income
  • Cash-Out Refinance
  • 2nd Trust Deed

How Can I get Approved?

Here at Equinox Home Financing we believe that everyone should have a fair chance of buying a home or refinancing into a better loan. Our main focus is on the asset which is your home and your ability to repay the loan. If you have had recent housing events and can't get approved, we can help as long as you can prove that you have stable employment and income as well as plenty of equity in your home.

Is My Credit Score a Factor in Getting Approved?

When doing a stated income or bank statement program loan, we do look at your credit score. These programs are a lot more lenient than traditional loans are so we can go as low as a 500 FICO score at times. Also when doing a bank statement loan, we are very easy on past short sales, foreclosures, or derogatory credit. If your financial situation makes sense today, we can lend you the money you need for a bank statement purchase loan or a bank statement refinance loan.

What Kind of Loan Terms Do You Offer?

Our loans come in all types of loan terms. It's a very flexible program that can help you get the payment that you need. Loans start out as a 5 Year Adjustable Rate Mortgage which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest only payments  which we can do as well so that you can keep you payments as low as possible.

What is a Hard Money Loan?

If you don't qualify for this mortgage loan program, Equinox Home Financing also has private money investors that we directly work with. Hard money loans are based on equity, not credit or income. If you are buying or need to refinance a rental property or an investment property and don't qualify with your bank statements for some reason, we can get you a private money loan. Private money loans can be used for a Fix and flip purchase, refinance, cash out loan, and we also offer 2nd mortgages for cash out as well.

What Type of Properties Can I Finance?

It depends what type of loan program you are qualified for. With our loan program, we can offer this loan on a Owner occupied, vacation home, or an investment property. We can lend on single family residences, condo's and 1-4 unit properties. When doing a private money or hard money loan, they can be owner occupied as long as there is a business purpose for the cash-out but they are mainly for investment or rental properties. With hard money loans, we can lend on residential properties, mixed use properties, and commercial properties.

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