You searched:
“My lease is ending and I need a home”
If you're searching for 'My lease is ending and I need a home', you're probably feeling the weight of uncertainty and time pressure. You're not alone — thousands of renters face this same situation every year. The good news is that there are more options available than you might think, even if you've been turned down by traditional lenders in the past. At National Mortgage Home Loans (NMHL), we've helped countless borrowers navigate these exact circumstances, and we're here to guide you through the process with compassion and expertise.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Unexpected changes in personal circumstances, such as a job relocation or family emergencySolution exists
- 2Rent increases that outpace your budget, making it impossible to continue rentingSolution exists
- 3A desire to build equity and stability through homeownershipSolution exists
- 4Previous financial setbacks that made it difficult to qualify for a mortgageSolution exists
- 5Limited awareness of alternative loan programs that could work for your situationSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Understanding Your Options
When you're facing the pressure of a lease ending, it's natural to feel overwhelmed. But there are more options available than you might think. NMHL has 25+ years of experience helping borrowers navigate complex financial situations, and we're here to guide you through the process.
Our loan officers will work with you to understand your unique circumstances and identify the best mortgage options for your needs. Whether you're dealing with bad credit, self-employment income, or other challenges, we'll help you explore your path to homeownership.
Take the first step towards homeownership today
The Benefits of NMHL Pre-Approval
Getting pre-approved for a mortgage is a crucial step in the homebuying process. With NMHL's pre-approval, you'll gain a clear understanding of your budget and negotiating power when searching for a home. Our streamlined process is designed to be fast and efficient, so you can get the information you need quickly.
- Clear understanding of your budget
- Negotiating power when searching for a home
- Fast and efficient process
Get pre-approved today and take the first step towards homeownership
Alternative Loan Programs for Complex Situations
NMHL offers a range of alternative loan programs that can be more flexible than traditional mortgage options. Our loan officers will work with you to identify the best fit for your unique situation, whether you're dealing with bad credit, self-employment income, or other challenges.
Some of the alternative loan programs we offer include FHA, Non-QM, and bank statement loans. These programs can provide more flexibility and options for borrowers who may not qualify for traditional mortgages.
Explore your options with NMHL's alternative loan programs
Personalized Mortgage Guidance
At NMHL, we understand that every borrower's situation is unique. That's why we offer personalized mortgage guidance from experienced loan officers who will work with you to navigate the complexities of home financing.
Our loan officers will provide you with the support and guidance you need to make informed decisions about your mortgage options. We'll help you understand the implications and benefits of different loan programs, and ensure you're prepared for the responsibilities of homeownership.
Get personalized guidance from NMHL's experienced loan officers
Your Options Right Now
NMHL Pre-Approval
Get pre-approved for a mortgage with NMHL's streamlined process, which can be completed in as little as 24 hours. This will give you a clear understanding of your budget and negotiating power when searching for a home.
Act quicklyAlternative Loan Programs
NMHL offers a range of non-traditional loan programs, including FHA, Non-QM, and bank statement loans, which can be more flexible than traditional mortgage options. Our loan officers will work with you to identify the best fit for your unique situation.
Act quicklyPersonalized Mortgage Guidance
Speak directly with an NMHL loan officer who will provide personalized guidance and support throughout the mortgage process. They'll help you navigate the complexities of home financing and ensure you're prepared for the responsibilities of homeownership.
Act quicklyTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Want to talk through your options with someone who's helped hundreds of people in your exact situation? We're here — no judgment, no pressure. Let's explore your path to homeownership together.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
While credit scores are an important factor, they're not the only consideration. NMHL offers alternative loan programs that take into account other aspects of your financial situation, such as income and debt-to-income ratio. Our loan officers will work with you to identify the best options for your unique circumstances.
Yes, NMHL offers bank statement loans and other non-traditional income verification programs that can be more flexible than traditional mortgage options. Our loan officers will help you navigate the process and identify the best fit for your situation.
At NMHL, we can complete pre-approvals in as little as 24 hours. Our streamlined process is designed to get you the information you need quickly, so you can focus on finding your new home.
NMHL's mortgage specialists have extensive experience working with borrowers in complex situations. We'll provide personalized guidance, help you navigate the mortgage process, and ensure you're prepared for the responsibilities of homeownership.
Yes, NMHL allows co-signers and co-borrowers on mortgage applications. This can be a helpful option if you're struggling to qualify on your own. Our loan officers will help you understand the implications and benefits of using a co-signer or co-borrower.
Want to talk through your options with someone who's helped hundreds of people in your exact situation? We're here — no judgment, no pressure. Let's explore your path to homeownership together.
We will reach out at a time that works for you. No pressure, no obligation.