Top Nonprime Lenders for 2023 – Nonprime Mortgage Programs

Non-prime mortgages are available again in after they almost completely disappeared after the housing crisis a while ago. Now, so many national non-prime mortgage programs are available to suit your needs. Programs to help the self employed, individuals with bad credit, no down payment, bankruptcies, foreclosures, and more.

If you have had trouble finding financing, then you came to the right place because we have helped thousands of people to finance their dream home with a non-prime mortgage .

We have developed a network of lenders who collectively have all of the loan programs needed to help you. The lenders below are just a few of the nonprime lenders that we work with. They all have different guidelines and lend in different states. Some may have different credit score or down payment requirements than the others and those things change often.

We keep on top of those changes and it is for this reason that your best option is to fill out our confidential free quote form .  Based upon your scenario and location, we will connect you directly with the right lender immediately.

Below is a list of the top nonprime lenders who offer alternative mortgage programs. They offer various niche programs that can help whether you have bad credit or even a recent bankruptcy. We can help you to decide which lender is best for your situation including others not on this list below. Simply complete this short loan scenario form and we will contact you.

Click to Contact One of These Lenders

Still have questions? Contact us for a free consultation!

Nonprime Mortgages FAQ

Q: What credit score is considered to be non-prime?

A: Typically any credit score below 620 is considered to be non-prime. However, a higher score combined with a foreclosure or bankruptcy also would lead to a non-prime loan.

Q: Can I get a non-prime mortgage if I have a bankruptcy or a foreclosure?

A: Yes, this is exactly why non-prime mortgage programs are created. That plus for people with low credit scores.

Q: Do nonprime mortgages have higher interest rates?

A: Yes, they often do come with higher interest rates but not too much higher. The lenders have done a good job of being able to keep the interest rates competitive.

Q: What is a nonprime mortgage?

A: They are loans for individuals who do not qualify for a conventional loan due to credit or other financial reasons.

Q: Are nonprime mortgages safe?

A: The lenders have created the programs now to protect both the lenders and the borrowers. They are safe.

Q: Are nonprime mortgages available for first time home buyers?

A: Yes, they absolutely are.

Q: Are nonprime mortgages available for self employed individuals?

A: Yes, they are now available and many offer bank statement loans as their nonprime option.

Q: Are nonprime mortgages illegal?

A: Nonprime mortgages are not illegal at all. They just do not fit within the Fannie Mae, Freddie Mac or government loan guidelines.

We are able to help you to find the best non-prime mortgage lenders in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

non prime lenders