Scotsman Guide > Residential > Directories > Niche Lenders

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No-FICO/Sub-500 FICO Score Lenders


Access Financial Group LLC
Loans to borrowers with no credit and credit scores down to 400. Purchase and refinance 1st and 2nd mortgages on owner-occupied and investment property. No prepayment penalty and LTVs up to 90%.
Lending Territory: CO

Advancial Federal Credit Union
Ex-Pat Program - Up to 80% LTV for O/O. Typically new to the United States on a work Visa. Max loan amount is $3M.
Lending Territory: NATIONWIDE

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

No-doc loans from $15K-$1M, 17-yr. term. Aggressive rates, high LTVs, no prepays or balloons. Loans to self-directed IRAs and transaction funding. 24-hr. funding. No appraisals needed. Fire insurance only.   
Lending Territory: NATIONWIDE ex. AK, AZ, CA, ND, NV, NY, OR, SD, UT, VT

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 single and double-wide) and vacant land. LTVs up to 65%. Loans are fixed-rate.
Lending Territory: NATIONWIDE

FMC Lending
No credit needed. Bad credit OK. Direct private money lender - asset based. Fast 7-day close. 400+ FICO allowed. Bankruptcy allowed. Foreclosure bailout allowed. Debtor in possession allowed. No doc stated loan programs; non-owner or second home. No tax returns. No bank statements. All property types. All property conditions allowed. Same day approvals. 70-75% LTV 
Lending Territory: CA, CO, DC, FL, NC, TX, WA

Pacific Private Money Loans
No FICO score, no problem! Broker friendly with quick turn times and responses. Same day LOI. Direct lender. Call or e-mail for more information on programs.
Lending Territory: CA

Patch of Land
600 minimum FICO. Up to 85% LTV, up to 75% 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, MN, NV, SD, UT

PB Financial Group Corp.
We offer stated business purpose loans on owner-occupied and NOO properties in California. On refinances we offer LTV up to 65-70% LTV and on purchases we can offer loans up to 65-70% LTV and with exception up to 80% of the purchase. Approvals in 4-6 hours and closings as quickly as 5-7 days.
Lending Territory: CA

PSG Capital Partners Inc.
We lend primarily in Southern California: LA, Riverside, San Diego and Ventura counties.
Lending Territory: CA

Stratton Equities
Down to 500 FICO-up to 70% LTV OO or NOO cash-out or acquisition.
Lending Territory: NATIONWIDE

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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