Think You Don't Qualify for a Mortgage?

You May Still Have a Path Forward

Even if your credit isn't perfect, your income doesn't show clearly, or you're not sure where you stand.

Most people think they don't qualify to for a home because...

Credit isn't perfect
Self-employed or write-offs reduce income on paper
Told they might not qualify
Limited down payment
Or just think they won't qualify

The problem isn't always your situation.

It's how your situation is evaluated.

Traditional Mortgage Approvals Follow Strict Guidelines

If your income, credit, or structure doesn't fit neatly into those boxes, you may be overlooked, even if paths exist.

There are Situations Where a

Different Path May Open a Path Forward

Income can be evaluated differently
Credit isn't the only factor
Structure matters more than assumptions

But most people never see these options because they stop at the first "no".

Before Wasting Time and Energy

or Assuming You Don't Qualify...

It's worth understanding:

What's actually holding you back
Whether it's a structure issue OR a qualification issue
Whether a different path could apply to your situation

(All scenarios are subject to full review and program guidelines.)

See What May Be Possible

Answer a few quick questions to get a clearer picture of your situation and possible paths.

No Application or Credit Check to Start.

Start Here

Which best describes your situation?

I was denied by a lender

I haven't applied but don't think I qualify

I have credit issues (BK, lates, collections,etc)

I'm self-employed / non-traditional income

My financial recently circumstances changed

What are you looking to do?

Buy a Home

Refinance

Buy a Second/Vacation Home

Buy Investment Property

Minimum Home Price *

Maximum Home Price *

How much do you currently have saved towards a home? *

$50k +
$35k - $50k
$25k - $34k
$15k - $24k
$10k - $14k
Under $10k
No elements found. Consider changing the search query.
List is empty.

What's your estimated credit score? *

Under 500
500 - 579
580 - 669
670 - 739
740 +
No elements found. Consider changing the search query.
List is empty.

What's your total minimum monthly debt payments (loans, credit cards, etc)? *

Have you experienced any of these in the past 4 years? *

Bankruptcy

Foreclosure

Short Sales

Late mortgage payments

Late car payments

Other derogatory marks

None of these

What type of income do you receive? *

Standard Employment / W2

Self-Employed / Business Income / 1099

Investment / Asset-Based Income

Retirement / Child Support / Alimony / Fixed Income

Other

What's your monthly income? *

Full Name

Phone

Email

NEXT

Alex Aceituno

Mortgage Advisor

NMLS #: 2373880

NEXA Lending

Equal Housing Lender

Note: This is not a a pre-approval or commitment to lend. All loans are subject to credit, income, assets, and underwriting guidelines.

Programs and terms are subject to change without notice.