The above programs provide you with a general idea of the kind of loan programs, and criteria needed for those loans, that you may be offered when you apply for a loan. For example Stated income and stated asset loans, along with no income or asset verification, give you more options for those who are self employed or want less paperwork. There is even hard money financing for borrowers with FICO scores as low as 500! These lenders will work harder to get you the financing you deserve!