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Understanding Bad Credit Mortgage
Having a credit score below 700 doesn't disqualify you from homeownership. Several loan programs exist specifically for borrowers in this situation. FHA loans accept scores as low as 500, Non-QM lenders use alternative qualification methods, and experienced loan officers can guide you to the right program. Understanding these options is the first step toward achieving your homeownership goals.
FHA accepts scores as low as 500 with proper documentation.
How NMHL Helps
Proven solutions for bad credit mortgage
Personalized Consultation
Speak with a licensed expert who understands your unique situation and guides you to the right program.
Flexible Loan Programs
Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
We walk you through every step from pre-approval to closing. No surprises, no confusion.
Your Path to Homeownership
Free Consultation
Tell us about your situation and goals.
Explore Options
We match you with the best loan programs.
Pre-Approval
Get pre-approved to strengthen your position.
Close with Confidence
We guide you through closing smoothly.
Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
We Serve 29 States
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Our Presence
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Frequently Asked Questions
Helpful Resources
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