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NuPath Home Program

A New Path to Homeownership for Buyers the System Left Behind

Because everyone deserves a shot at owning a home.

If you've been told "no" by traditional lenders — because of your credit score, your documentation, your immigration status, or your income type — NuPath Home was built for you.

NuPath Home is a mission-driven homeownership program exclusive to NuVue Mortgage Solutions that breaks the cycle of renting for buyers who don't fit the traditional credit box. It's not a workaround — it's a real, structured path to full homeownership.

Step 1 — Find your home

You identify the property you want. NuVue submits your scenario to the NuPath Home program.

Step 2 — The home is purchased

An FHA-eligible entity purchases the property on your behalf.

Step 3 — You lease and build equity

You enter a structured lease agreement, building equity and locking in your purchase price while you strengthen your financial profile.

Step 4 — Your payments work for you

Payments over time reduce your option-to-buy price and lock in your rent — putting you closer to ownership with every month that passes.

Step 5 — You take full ownership

When you're ready, you can assume the loan, execute a planned exit strategy, pay off and stay, or sell. The path is yours to choose.

How NuPath Home Works:

Who NuPath Home Serves:

• Renters with no credit score or thin credit files

• ITIN and DACA homebuyers

• Self-employed borrowers with limited documentation

• Clients with recent bankruptcy or credit events

• Anyone with a 580+ credit score — and even some below 580 with reserves

Program Highlights:

• FHA standard and high balance loan amounts

• Up to 96.5% LTV

• Flexible income documentation including bank statements, 1099s, P&L, and asset-based income

• Alternative credit accepted

• U.S. citizens, permanent and non-permanent resident aliens all eligible

NuPath Home is not a traditional loan — it's a structured program that requires experienced guidance. NuVue will walk you through every step so you always know where you stand and what comes next.

NuPath Home is a program exclusively offered through NuVue Mortgage Solutions. Terms, eligibility, and availability are subject to change.

NuPath Solar Grant

Buy a Home. Add Solar. Get Paid to Do It.

A first-of-its-kind FHA program that finances a brand-new solar system into your home purchase — and puts money back in your pocket.

The NuPath Solar Grant is an FHA purchase or rate/term refinance loan that lets you finance a brand-new, fully owned solar system into your mortgage — at no extra rate cost. And through the HOPER program built into it, you earn 3.5% of the home's sales price (up to $13,000) that you can use however you need it most.

This is not a lease. Not a solar company's financing plan. You own the system outright from day one.

How the HOPER funds work:

The 3.5% you earn is treated as income — not a loan, not a grant with strings attached. There's no repayment, no lien, and no refinance restriction. Funds are available at or after closing and can be used for closing costs, debt payoff, reserves, rate buy-downs, appraisal shortages, and more.

Program parameters:

• Loan types: FHA Purchase and FHA Rate/Term Refinance

• Minimum credit score: 620 FICO

• No income limits

• Solar system must be brand-new and fully owned

• Installation completed within 120 days after closing

• Condos not eligible

• Not available in AK, HI, ND, SD, or VT

Who it's for:

Any FHA-eligible buyer or homeowner looking to purchase or refinance who wants to own solar energy outright, reduce their utility costs long-term, and put real money back in their pocket at closing. If you've been considering solar but didn't want a lease or a separate loan, this program eliminates both of those concerns entirely.

Solar financing details:

• Solar cost added up to the lesser of system cost or 20% of property value

• Solar value not included in appraisal

• No solar appraisal, ROI analysis, HUD consultant, or contingency reserve required

• No second liens, no UCC filings, no changes to FHA rates

• Escrow established and managed by MLB — 50% disbursed at closing, 50% after final inspection

• Unused escrow funds applied as principal reduction

• Up to 2.5% seller credit allowable

Program offered through NuVue Mortgage Solutions. Terms, availability, and eligibility subject to change. Not available in all states.

Community Mortgage

Your Income Doesn't Fit the Box. This Loan Does.

A flexible primary residence loan designed for borrowers whose financial situation doesn't fit traditional lending standards.

If you're self-employed, work on commission, have fluctuating income, or simply can't provide the mountain of documentation traditional lenders require — the Community Mortgage from Change Wholesale was built specifically for you. No income stated on the application. No income documentation required. Just a flexible, straightforward path to owning the home you live in.

This is a primary residence loan, which means it's designed for real buyers — people who want to stop renting and own the place they call home, regardless of how complicated their financial picture looks on paper.

Program guidelines:

• Employment not stated on the application

• Income not stated on the application

• Income documentation not required

• Primary residence only

• Asset seasoning: 30 days

• Loan amounts up to $2.5 million

• LTV up to 80% purchase or rate-and-term refinance

• Cash-out options available

• Reserves as low as 6 months

• FICO starting at 640

Who it's for:

• Self-employed borrowers without traditional pay stubs or W-2s

• Gig workers, freelancers, and contractors with variable income

• Business owners whose tax returns don't reflect their actual cash flow

• Anyone who has been told "no" by a traditional lender due to documentation requirements

The NuVue difference:

Most loan officers don't know this program exists. We do — and we know how to structure your file to make it work. If your income is real but the paperwork doesn't show it the way traditional lenders want to see it, let's talk.

The Community Mortgage is not available in DC, MD, ME, NV, PA, WA, or WV. Additional state-specific requirements may apply. Contact NuVue for details. Terms and availability subject to change.

BRIDGE LOANS

Move Up Without Moving Out

Don't wait for your current home to sell before buying your next one.

A bridge loan is a short-term financing solution that lets you tap into the equity in your current home to fund the purchase of your next one — before your existing home sells. It literally bridges the gap between where you are and where you want to be.

Who it's for: Move-up buyers who have found their next home but haven't yet sold their current one, and don't want to make a contingent offer that puts them at a disadvantage in a competitive market.

How it works:

• You borrow against the equity in your current home

• Use those funds as a down payment on your new home

• Once your current home sells, you pay off the bridge loan

• You move on your timeline — not the market's

The NuVue Advantage: Bridge loans require an experienced loan officer who understands timing, equity, and the moving parts of a simultaneous transaction. That's exactly what we do. We'll structure the financing so the transition feels seamless — not stressful.

Moving Services

We're Making Your Move Even Easier
Coming Soon

Because buying the home is only half the journey. We're putting the finishing touches on a moving services resource designed to make your physical transition as smooth as your financial one. Check back soon for trusted movers, packing resources, and relocation tools curated specifically for NuVue clients.

Want to be the first to know when this launches? Drop us a note through our contact page and we'll reach out as soon as it's ready.

Relocation Program Questions, Answered

What is a bridge loan and how long does it last?

A bridge loan is a short-term loan — typically 6 to 12 months — that lets you borrow against your current home's equity to purchase your next one before your existing home sells. Once your current home closes, the bridge loan is paid off. It's designed to give move-up buyers flexibility and purchasing power in a competitive market.

Do I need to sell my home first before buying another one?

Not with a bridge loan. That's exactly the problem it solves. Rather than making a contingent offer — which many sellers won't accept — a bridge loan lets you move forward on your new home with confidence while your current home goes through the selling process on its own timeline.

Who qualifies for NuPath Home?

NuPath Home is designed for buyers who haven't been able to qualify through traditional lending — including those with no credit score, thin credit files, ITIN or DACA status, recent credit events, or non-traditional income. If you've been turned down elsewhere, this program may be the path forward. A 580 minimum credit score is required for most scenarios, though exceptions exist with reserves.

Is NuPath Home a rent-to-own program?

It follows a similar structure — you lease the home while building equity and working toward full ownership — but it's more comprehensive than a traditional rent-to-own agreement. It's a structured, mission-driven program offered through NuVue Mortgage Solutions with a clear, defined path to full ownership built in from day one.

Will my immigration status affect my ability to qualify?

NuPath Home specifically includes non-permanent resident aliens, ITIN holders, and DACA recipients as eligible borrowers — groups that traditional loan programs frequently exclude. If you've been told your status disqualifies you, let's talk. There may be more options available to you than you realize.

When will moving services be available?

We're actively building out this resource and expect to launch soon. Contact us through our contact page to be added to the notification list.

Still Building Toward Homeownership?

NuPath Home serves a wide range of credit profiles — but if you want to strengthen your financial foundation before applying to any program, our Credit Builders page has the tools and resources to help you get there.

Ready to Find Your Path Forward?

Every situation is different. Every journey is valid. Whatever brought you to this page — a home you've outgrown, a dream you haven't been able to reach, or a move that's long overdue — we want to hear about it. Book a free Home Purchase Plan consultation and let's figure out the right program for you together.

No cost. No commitment. No judgment.