Non-Prime Mortgage Loans in Florida, Texas, Georgia, and More
Find flexible home loan solutions—even with low credit scores or non-traditional income.
Serving borrowers across Florida, Tennessee, Texas, North Carolina, Georgia, South Carolina, and Colorado.
What Is a Non-Prime Loan?
A Non-Prime Loan is a mortgage designed for borrowers who don’t qualify for conventional loans due to:
Low Credits
Low credit scores (as low as 500)
Non-traditional income
Non-traditional income (bank statements, 1099s, rental income)
High debt-to-income
High debt-to-income (DTI) ratios (up to 55%)
bankruptcies
Recent bankruptcies, foreclosures, or short sales
Unlike traditional mortgages, non-prime loans use flexible underwriting and alternative documentation to help you qualify.
Achieved $300 Millions +
More than 680
Days
Who Should Consider a Non-Prime Mortgage?
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This loan is ideal for:
- Self-employed borrowers in Texas, Florida, and Georgia
- Individuals with bad credit in North Carolina and South Carolina
- Real estate investors in Colorado
- 1099 earners and freelancers across Tennessee
- Borrowers with recent financial hardships
Who Should Consider a Non-Prime Mortgage?
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This loan is ideal for:
- Self-employed borrowers in Texas, Florida, and Georgia
- Individuals with bad credit in North Carolina and South Carolina
- Real estate investors in Colorado
• 1099 earners and freelancers across Tennessee
Flexible. Fast. Focused on You.
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✅ Credit scores from 500+ accepted
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✅ No W-2s or tax returns required
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✅ DTI ratios up to 55%
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✅ Recent bankruptcies and foreclosures okay
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✅ Loan amounts from $100K to $3M
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✅ Primary, secondary, and investment properties eligible
How It Works – 5 Simple Steps
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- Apply Online – Start your application in just minutes
- Get Pre-Approved – Even with bad credit or alternative income
- Choose Your Loan Terms – 15- or 30-year fixed or adjustable
- Close Fast – Our team handles the process for you
- Move Into Your New Home – With the financing you deserve
Why Choose Lending Spot?
Secure, fast and transparent process
Expert advisors focused on unique borrower needs
Over 200,000 properties financed nationwide
Ready to Buy a Home, Even with Credit Challenges?
Get Started on Your Non-Prime Mortgage Now
Apply today and get pre-approved in as little as 24 hours.
Join Us on Your Journey to Financial Freedom
Whether you’re buying your first home, refinancing, or investing in real estate, LendingSpot is here to guide you every step of the way.