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Understanding Rebuilding Credit Homebuyer
Rebuilding credit is a crucial step towards homeownership, but it can be a daunting task, especially after financial setbacks. The good news is that there are programs and strategies available to help. At NMHL, we have 25+ years of experience helping borrowers in this exact situation. Our loan officers will work with you to evaluate your full financial picture and identify qualifying programs.
Don't let credit challenges hold you back from achieving homeownership.
How NMHL Helps
Proven solutions for rebuilding credit homebuyer
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
Click any state to see local rates and programs
Our Presence
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Frequently Asked Questions
The waiting period varies depending on the type of loan and the circumstances surrounding the bankruptcy or foreclosure. For example, FHA loans require a 2-year waiting period after Chapter 7 bankruptcy, while conventional loans may require a longer waiting period. Our loan officers will help you determine the best course of action.
Yes, NMHL offers pre-approval options for borrowers with credit scores below 620. Our loan officers will evaluate your full financial picture to determine the best program for your situation.
Improving your credit score requires a combination of credit repair strategies and responsible financial habits. NMHL provides personalized credit recovery guidance to help you achieve your goals.
Helpful Resources
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