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.
Non-Prime:
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.
FHA
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
Loan Amounts
Lien Position
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
Nationwide Mortgage – Non-QM Home Loans Testimonials
Trustworthy and reliable
Yelp
"Nationwide has such great, trustworthy and reliable staff! They truly make sure that every part of the operation is executed to the fullest of their ability. As a client, I have received wonderful service by Nationwide Mortgage, and they make sure to have all your questions answered, and educated as a borrower."
...great communication, positive attitudes & both are highly knowledgeable.
Yelp
"It has been an absolute pleasure working with Noelle Wheeler and Christina Balla at Nationwide! I've had the opportunity to work alongside them both on a residential and commercial sale this year and I can tell you that they are both true professionals in the industry. As someone who has been in the real estate industry for over 22 years, I can say that these two ladies are top notch professionals! They display great communication, positive attitudes & both are highly knowledgeable in real estate and lending. If you are working with this team, you are definitely in good hands for your real estate sale/purchase. I would highly recommend them both and I am sure they will take great care of you!!"
Contact Nationwide Mortgage – Non-QM Home Loans
Stay Informed About Private Lending

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!
Office Locations
1963 O'Toole Way #200, San Jose, California 95131Our Team
Noelle Wheeler
President
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
Contact Nationwide Mortgage – Non-QM Home Loans
Stay Informed About Private Lending

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