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Understanding Renter To Owner
The dream of homeownership remains elusive for many renters due to rising housing costs and stringent mortgage requirements. NMHL is dedicated to helping borrowers overcome these challenges.
In many markets, the cost of renting exceeds that of owning a comparable property.
How NMHL Helps
Proven solutions for renter to owner
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
Click on endorsed states to see our direct resources!
Frequently Asked Questions
NMHL has 25+ years of experience helping borrowers transition from renting to owning. Our loan officers evaluate your full financial picture and identify qualifying programs, including FHA, non-QM, and bank statement loans.
Qualification criteria vary by program. For example, FHA loans require a minimum credit score of 580, while non-QM loans may consider alternative credit scoring. Our loan officers will assess your financial situation and match you with the most suitable program.
Yes, NMHL offers down payment assistance programs that can help with up to 4% of the purchase price. Our loan officers will help you navigate available options and combine assistance with NMHL loan programs.
NMHL's pre-approval process is typically completed within 24-48 hours. Our loan officers will guide you through the process, ensuring a fast and transparent experience.
NMHL's non-QM and bank statement loans offer flexible income verification and cater to self-employed borrowers or those with non-traditional income. These programs provide alternative paths to mortgage approval.
Helpful Resources
Ready to Explore Your Options?
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