Credit Challenged

If you’ve had credit issues, then you’re in good company. There are a lot of people that have had all kinds of credit challenges for all kinds of reasons. But there are all kinds of mortgage products for all kinds of challenges.


These types of loans programs may be higher in rates and fees than a typical Fannie Mae type loan, but they also have credit guidelines for borrowers with challenged credit scores or credit payment histories.  And purchase loans typically require at least 10% as a down-payment.   But it’s good to have options.


These kinds of loans are for a primary residence, and 1 – 4 unit properties. And they also have loan limits based on the county the property is located in.  But they have some of the lowest down payment programs.  They cost a little bit more than Fannie Mae type loans because they also charge a Mortgage Insurance Premium.  But they are also a good option to have.

Income Challenges

There are lots of reasons that borrowers may not have the income documentation needed for a loan.  And there are programs out there that can help with that.

12-month bank statements may be used to verify income for self-employed.

  • This not Traditional documentation can be used instead of providing Income taxes and paystubs.
  • Points and Fees are higher than Traditional documentation but it’s a good option to have.

As mortgage brokers we can assist with Purchase, Refinance and Cash out with a number of different programs.

Contact us to day and let us show you what we can do to help you.

Property Geographic Area Details
California, Florida, Virginia, Washington
Loan Amounts
$200,000 to $2,000,000
Lien Position
1st, 2nd

Jumbo Loans

The perfect home is different for everyone — and the perfect mortgage should be, too. As independent mortgage brokers, we’re able to offer:

  • A wide variety of jumbo loan products
  • Custom-made loans to match your situation
  • Competitive rates on loans up to $3,000,000
  • A fast, worry-free process

Property Types

  • 2-4 Units Residential
  • Condominium
  • Single Family Residence

Loan Types

  • Residential Owner-Occupied

Will Lend on a Portfolio of Properties


Details and Requirements

Personal Guaranty (Recourse) Required
Credit Check Required


Legal Disclaimer

N A Nationwide Mortgage, a California Corporation is located at 1963 O’Toole Way, Suite 200, San Jose, CA 95131. Unique Identifier NMLS ID #32417 N A Nationwide Mortgage Service Mark @1998. All rights reserved. California – DRE Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement, #01247594, Florida Mortgage Broker License #MBR2347. Virginia Broker License #MC-5843. Washington Mortgage Broker License #MB-32417. Advertisement. Activities for which a license is required. Nationwide Mortgage offers these products through our family of companies. Purchase loans and Refinance loans are available for Jumbo mortgages , 30 year fixed, 15 year fixed, FHA loans, VA loans, HARP loans and Reverse Mortgages. *All of the scenarios listed above are subject to various credit debt to income ratio requirements that are subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Loan approval and rates are dependent upon applicant’s credit, collateral, financial history and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. These materials are not from HUD or FHA and were not approved by HUD or a government agency. This is not an offer to enter into a rate lock agreement under CA law, or any other applicable law.

Nationwide Mortgage – Non-QM Home Loans Testimonials

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Established in 1998

At Nationwide Mortgage we understand that securing a mortgage is one of the most important financial decisions you’ll make in your life. That’s why we are committed to providing exceptional service and expertise to ensure a smooth and successful home financing experience. Here’s why our mortgage company stands out from the rest:

Unparalleled Service:

Our dedicated team of mortgage professionals is here to guide you through every step of the process, answering your questions, addressing your concerns, and keeping you informed at all times. We believe in building lasting relationships with our clients, and our commitment to outstanding service is the foundation of our success.

Expertise and Knowledge:

With years of experience in the mortgage industry, our team boasts unparalleled expertise and knowledge.  Our mortgage experts will work closely with you to understand your unique financial situation and goals, helping you choose the best mortgage options available.

Customized Solutions:

We understand that every borrower has different needs and financial circumstances. That’s why we offer a wide range of mortgage products and solutions to suit your specific requirements. Whether you’re a first-time homebuyer, looking to refinance, or in need of a jumbo loan, we have the expertise and resources to find the perfect mortgage solution for you. Our goal is to ensure that you secure the best terms and rates tailored to your individual situation.

Streamlined Process:

We believe that the mortgage process should be straightforward and hassle-free. Our streamlined application and approval process is designed to save you time and minimize stress.

Choose Nationwide Mortgage for an Exceptional Mortgage Experience!


CA DRE Broker #01247594, FL Mtg Brkr #MBR2347. VA Bkr #MC-5843. WA Mtg Bkr #MB-32417.

Year Established


Office Locations

1963 O'Toole Way #200, San Jose, California 95131

Percentage of Loans Secured by Residential Property


Total Loan Volume Funded to Date


Our Team

Noelle Wheeler


NMLS ID - 32388
CA DRE Broker - 01125188
Florida MLO - LO29466
Virginia MLO - 6266VA
Washington MLO - 32388

Susie Bassirpou

Loan Originator

NMLS ID - 1998306
CA DRE Salesperson - 01392454
Florida Originator - 100102
Washington Originator - MLO-1998306

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