Recently Been Denied?Get Approved Now!

Refinance for Less than Perfect Credit

  • Mortgage Lates OK
  • Previous Foreclosure OK
  • Previous Short Sale OK
  • Previous BKs OK
  • FICO as Low as 580
  • Not a Hard Money Loan



When it comes to mortgage lending, the screening process eliminates those without near-perfect credit. It seems the only alternative to accessing your home’s equity these days is a hard money loan. That’s about to change! 

Here at from OptionWide®, we understand that life happens. Whether it’s a recent mortgage late, short sales or foreclosure, divorce, bankruptcy, illness, job loss or even death in the family, everyone deserves a restart. This is not a hard money loan. This loan allows you to tap into your equity and consolidate all your debts into a single payment you can afford. We give you the restart you deserve. Consolidate your debts today and start rebuilding your credit.

You’re a call away from starting the next chapter of your life.
Call (855) 243-2966.

Been Denied By A Bank? Cash Out Today! Call (855) 243-2966



Not a Hard Money Loan. Call Now! (855) 243-2966


Reliable and Transparent. This is Our Commitment to You. Call Now! (855) 243-2966



  • SFRs

  • Townhomes

  • Condos

  • 2 to 4 Units

  • Non-Warrantable Condo

  • Low Rise Condos

  • High Rise Condos

Access the Equity in Your House. Cash-Out Today! Call (855) 243-2966

BBB A+ Rating
Our approach

Our Approach

At from OptionWide®, our practical approach to mortgage lending is simply common sense underwriting. We understand the value of helping borrowers navigate the lending process easily and efficiently. We understand that each unique client has a different story to tell. We are here to listen and help you regain control of at least one aspect of your life. We help you learn how your mortgage can work for you and your family.
Our experience

Our Experience

Every person’s situation is different. Inexperienced mortgage lenders can make mistakes which create a stressful experience for you that can cost both time and money. With over 100+ years of combined mortgage lending experience, coupled with a full spectrum of non-qualified mortgage products, our team of mortgage professionals are armed with a wealth of information that can help you learn how your mortgage can work for you.

Transparency and Integrity

You are more than just a loan and a business transaction. It is our responsibility to understand your situation and find you the best loan solution to meet your objectives. More importantly, we want to make sure you understand your new loan and then your next step from there.
Our promise

Our Promise

At the end of the day, our business is not only about being transparent and reliable but also about building upon this loan for your future. We want to be your best and last lender. We want to assist you with not only getting you this loan but getting you out of this loan based on a clear strategy and next steps to meet your short-term and long-term goals. This is our commitment to you.

You Deserve A 2nd Chance. Apply Now!


Refinance Cash-out or Purchase Today. Minimum FICO Required is 580.

Frequently Ask Questions


Our typical borrower has had a previous life event that caused them to fall behind on their monthly obligations. Now that they are back on their feet, they find themselves unable to access the equity in their home because they simply can't qualify under today's tighter lending standards. Our flexible loan programs allow these homeowners to access the equity in their homes to give themselves a fresh start.

1What is a Non-QM Loan?
A Non-Qualified Mortgage (Non-QM) mortgage is any home loan that doesn't comply with existing rules on Qualified Mortgages. A Qualified Mortgage (QM) is a home loan that meets the standards set forth by the Federal government. There are many standards that can determine whether a loan falls under the Qualified Mortgage such as but not limited to loan size, documentation type, and credit profile.
2Is this a Hard Money Loan?
To be clear, this is not a hard money loan. Most hard money loans are equity based. There may be limited documentation that is required in order to make a hard money mortgage loan. Traditionally, hard money loans usually are fixed for a limited amount of time before the entire balance becomes due. This is also called a balloon mortgage. Our loans require full documentation and follow traditionally loan terms that like 5/1 and 7/1 ARMs and also 30 Year Fix mortgages. Typically our loans are characterize as B/C Loans or non-prime loans.
3What is a B/C Loan?
B/C loans are issued to imperfect credit borrowers or borrowers with minimal credit history. These loans offer a second tier of loan eligibility for borrowers who do not qualify for traditional prime loans. B/C loans can be are good way for borrowers to obtain financing while also improving their credit score, which can help them to receive more favorable financing terms in the future.
4What Type of Documentation is Required?
Full Documentation is still required. All income and assets must be verified to determine your ability-to-repay the mortgage.
5Do you Check Credit?
Yes. Credit is an important factor in determining your eligibility for certain product types. With that in mind, our flexible loan program's qualifying FICO score goes down to 500. Your credit profile is one of the factors that determines the interest rate of your loan.
6Can I Refinance and Cash-Out?
Yes. The main purpose of this loan is to provide reasonable financing terms that will allow consumers to access the equity in their homes and consolidate their debt into one affordable monthly payment. Loan-to-Value restrictions apply.
7How Competitive are Your Rates and Fees?
Our rates and fees are slightly higher than traditional prime loan pricing but substantially lower than hard money loan pricing. Rate is determined by loan-to-value, your credit profile, and your mortgage payment history. We have standardize fees.
8How Long does the Process Take?
It typically takes 30 business days to fund a loan. Appraisals can affect the time that is required for a loan to fund. Additionally, due to the imperfect credit there may be other credit issues that need to be addressed with other third party actors that are simply out of our control. This may add to the length of time it takes to fund a loan.
9Are There Prepayment Penalties?
Prepayment penalty options are only available for investment properties. There are no prepayment penalties allowed, on primary residence loans.
10What if I Have a Mortgage Late?
Our flexible loan programs allow us to make loans where there was a previous mortgage late. Your mortgage rating is one factor that determines your interest rate. We allow for mortgage late(s); however payments on your existing mortgage must be current at the time of your new loan application.
11What if I Had a Bankruptcy or Foreclosure?
Our flexible loan programs allow us to make loans where there was a previous bankruptcy or foreclosure. You must be current with your mortgage payments at the time of your new loan application. There are other restrictions that also may apply. We do not finance any foreclosure bailouts.
12Can I Roll in My Closing Cost?
Closing cost maybe rolled into a loan if there is sufficient equity to do so.