DSCR
Loan Program Overview
Qualify based on property rental income, not personal income. Ideal for real estate investors.
No Personal Income Required
Minimum Credit Score:680
Minimum Down Payment:25%
Maximum Loan Amount:$2,000,000
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When Banks Say No,
Try Another Lender
Your directory for non-traditional mortgage loans and lenders.
✓Independent
✓No spam
✓Expert-reviewed
Real stories from real borrowers
See how other borrowers found solutions when traditional lenders said no.
"After being denied by three different banks, Dan helped me find a bank statement loan that worked perfectly for my situation. I'm now a homeowner!"
Sarah M.
Freelance Consultant
Bank Statement Loan
"The traditional lenders couldn't work with my credit situation, but Another Lender found me a program that got me approved in just two weeks."
Michael R.
Small Business Owner
Credit Rebuilding
"Dan's expertise in non-traditional properties helped me finance my barndominium when everyone else said it was impossible."
Jennifer L.
Property Investor
Barndominium Loan
✓Independent & Unbiased
✓Expert-Reviewed
✓No Spam, Ever
✓Privacy First
We Are Your Mortgage Matchmaker
Not everyone fits the bank's boxes. We're here for borrowers who need real solutions, not just "no."
1
Self-Employed
You run your own business, but banks don't understand your income.
2
Real Estate Investors
You own or want to buy investment properties, but traditional loans don't fit.
3
Recent Credit Events
Life happens—bankruptcy, foreclosure, or credit dings shouldn't be the end.
4
Foreign Nationals
You're not a U.S. citizen, but you want to buy or refinance property here.
5
Unique Properties
Tiny homes, ADUs, rural land, or something outside the norm.
6
Asset-Based Borrowers
You have savings or investments, but not "traditional" income.
How It Works
Finding the right mortgage shouldn't be a mystery. Here's how borrowers like you use Another Lender to find a willing lender:
Pick Your Mortgage
Explore our comprehensive directory of non-QM loan programs and specialized lenders.
Check For Eligibility
Compare requirements, rates, and terms to find the best match for your unique circumstances.
Contact The Lender
Contact lenders directly through our platform. No spam, no hidden fees, no pressure.
About The Directory
Every lender on Another Lender is personally reviewed by our team before being listed. We verify their credentials, NMLS number, business address, and more—so you know you're connecting with a real, trustworthy professional. Each lender profile includes their name, photo, company, NMLS number, and contact details for full transparency.
Jane Smith
Acme Mortgage Co.
NMLS #123456
123 Main St, Springfield, IL
4.9(132)You will never receive spam from Another Lender. You control who you contact.
Featured Loan Programs for Non-Traditional Borrowers
ITIN
Loan Program Overview
Borrowers with ITIN instead of Social Security Number. Valid for non-citizens with US income.
Valid ITIN Required
Minimum Credit Score:680
Minimum Down Payment:20%
Maximum Loan Amount:$1,500,000
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Bank Statement
Loan Program Overview
Use bank deposits instead of tax returns. Perfect for self-employed borrowers with strong cash flow.
No Tax Returns Required
Minimum Credit Score:660
Minimum Down Payment:10%
Maximum Loan Amount:$3,000,000
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Low Credit Score
Loan Program Overview
Credit scores below 680. Perfect for those rebuilding credit or with past difficulties.
Flexible Credit Requirements
Minimum Credit Score:580
Minimum Down Payment:10-20%
Maximum Loan Amount:$500,000
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No Credit History
Loan Program Overview
No traditional credit history required. Uses alternative credit verification methods.
Alternative Qualification Methods
Minimum Credit Score:No traditional score required
Minimum Down Payment:20%
Maximum Loan Amount:$1,500,000
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Recent Bankruptcy
Loan Program Overview
Post-bankruptcy borrowers ready to rebuild. Flexible waiting periods available.
2+ Years After Discharge
Minimum Credit Score:650
Minimum Down Payment:25%
Maximum Loan Amount:$1,000,000
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Stated Income
Loan Program Overview
State your actual income without traditional documentation. For self-employed borrowers.
Minimal Documentation Required
Minimum Credit Score:680
Minimum Down Payment:15%
Maximum Loan Amount:$2,500,000
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Non-Warrantable Condo
Loan Program Overview
Condos that do not meet conventional mortgage guidelines, including new construction and first-in.
Unique Condo Properties
Minimum Credit Score:700
Minimum Down Payment:25%
Maximum Loan Amount:$2,000,000
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Fix and Flip
Loan Program Overview
Short-term financing for property renovation and resale. For real estate investors.
Short-Term Financing
Minimum Credit Score:650
Minimum Down Payment:20-30%
Maximum Loan Amount:$1,500,000
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If At First You Don't Succeed,
Try Another Lender
Every day, we help people who have been turned away by traditional banks find real mortgage solutions. Our mission is to connect you with lenders who understand your unique story—no judgment, no runaround, just honest guidance and real options. We believe everyone deserves a fair shot at homeownership, and we're proud to be a trusted resource for non-traditional borrowers nationwide.
Over 10,000
People Helped
Borrowers connected with the right mortgage solution
Nationwide
Coverage
Programs and lenders available across the U.S.
Expert
Reviewed
All information verified by mortgage professionals
Common Questions
Quick answers to the most frequently asked questions.
We provide a directory of non-traditional loan programs and lenders. You browse, compare, and connect directly with lenders—no middlemen involved.
Yes, completely free. We don't charge borrowers anything. Lenders may have their own fees, but we don't add any costs.
Start by exploring loan programs that match your situation, or browse our lender directory. When you find a good match, contact the lender directly.
Absolutely not. We believe in a no-pressure, no-nonsense approach. You won't get fake preapprovals, rate bait, or endless emails—just clear answers and real options. We never sell your information.
This is a paid directory where lenders pay to be featured. However, we only accept lenders who actually specialize in non-traditional borrowers and have a proven track record. We research each lender to ensure they offer the programs they advertise.
That's exactly who we're here for. Most denials happen because the lender doesn't offer the right program, not because you're not qualified. We help you understand why you were denied and connect you with lenders who actually do these types of loans.
Our content is reviewed by mortgage experts and updated regularly to reflect changes in guidelines, programs, and the market. We monitor lender overlays and new programs to ensure you get current, accurate information.
Who's Behind Another Lender?
We're real people, passionate about helping you find real mortgage solutions. Learn how we're different, and why thousands trust us.
Learn More About UsNo spam. No pressure. Just honest guidance.