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No-FICO/Sub-500 FICO Score Lenders


Agoura Hills Financial
AHF will consider loans with this criteria. We are an equity-driven private lender. No minimum FICO. Up to 65% LTV. Contact us today for a quick close!
Lending Territory: Southern CA

California TD Funding Inc.
No minimum FICO. We are an equity-driven direct private lender. Property types preferred are non-owner-operated SFR, multifamily & commercial. 65% LTV or less in Southern CA. All loans are fixed-rates and usually contain no prepay penalites.
Lending Territory: Southern CA

Capital Benefit
FICO is not an issue. Borrower needs to show income to support loan request.
Lending Territory: CA

Citadel Servicing Corp.
FICOs under 500 on a case-by-case basis. 
Lending Territory: AZ, CA, CO, FL, GA, ID, NC, OR, TX, UT, VA, WA

Crawford Real Estate Services Inc.
Lending Territory: CA

First National Bank of America
No minimum FICO required. We request that the borrower is downsizing their mortgage payment if they have a previous short sale, BK or foreclosure. Property types include single family, 2nd home, single family rental, condo, multifamily, mobile home with land (both singe and double-wide) and vacant land. LTVs up to 80%. Loans are fixed-rate.
Lending Territory: FL, IA, IN, KY, MI, MN, MO, TN, WI

HML Investments
HML Investments doesn't look at credit scores or income. We are an equity-driven type of lender. We offer loans as high as 80% LTV for properties in California and we can close in just a few days. We don't ask for appraisal in most cases. Investment properties only! Contact us today for more information!
Lending Territory: CA

Patch of Land
No minimum FICO. 80% LTV, up to 80% ARV. 12 month term, extensions available. Fixed rate, I/O. No prepayment penalties. Non-owner-occupied investment properties. Fix-and-flip, 1-4 unit residential. Mixed use. Commercial.
Lending Territory: NATIONWIDE except AZ, NV, OR, SD

PSG Capital Partners Inc.
We lend primarily in Southern California: LA, Riverside, San Diego and Ventura counties. For fast pricing, e-mail John at jdevito@psgfund.com.
Lending Territory: CA

Click on the company name to see its contact information from the Residential Lender Directory. Don't forget to tell lenders you found them in Scotsman Guide when you call. Please click  here to request adding a topic or lender to this section.



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