Top 10–15 Mortgage Lenders for Individuals
with Poor Credit or Bankruptcy in 2025
Securing a mortgage with poor credit or a history of bankruptcy can be challenging, but several lenders specialize in assisting such borrowers. Below is a curated list of mortgage lenders known for their flexible credit requirements and programs tailored for individuals aiming to rebuild their financial standing.
| Lender | Minimum Credit Score | Key Features | Website |
|---|---|---|---|
| New American Funding | 500 (FHA) | Offers FHA loans with low credit scores; manual underwriting available. | Visit Site |
| Rate | 580 (FHA) | Fast pre-approvals; OneDown program with 1% down payment options. | Visit Site |
| Veterans United Home Loans | 580 (VA) | Specializes in VA loans; flexible credit requirements for veterans. | Visit Site |
| Guild Mortgage | 580 (FHA) | Offers various loan programs; accepts non-traditional credit histories. | Visit Site |
| Peoples Bank Mortgage | 620 | Provides mortgages shortly after bankruptcy discharge; nationwide availability. | Visit Site |
| Alpine Mortgage Services | 500 | Offers FHA and VA loans; programs for recent bankruptcies; available in select states. | Visit Site |
| Rocket Mortgage | 580 (FHA) | Online application process; offers FHA and VA loans; resources for credit improvement. | Visit Site |
| CrossCountry Mortgage | 500 | Accepts non-traditional credit; various loan programs; personalized service. | Visit Site |
| Flagstar Bank | 580 (FHA) | Offers FHA, VA, and USDA loans; flexible credit requirements. | Visit Site |
| First Federal Bank | 580 (FHA) | Traditional lending experience; offers various loan programs for low credit scores. | Visit Site |
| Old National Bank | 620 | Provides conventional and government-backed loans; flexible underwriting. | Visit Site |
| AmeriSave Mortgage Corporation | 580 (FHA) | Online lender offering competitive rates; various loan options for low credit scores. | Visit Site |
| loanDepot | 580 (FHA) | Offers FHA, VA, and conventional loans; digital application process. | Visit Site |
| Caliber Home Loans | 580 (FHA) | Provides various loan programs; accepts borrowers with past credit issues. | Visit Site |
| Freedom Mortgage | 580 (FHA) | Specializes in VA and FHA loans; flexible credit guidelines. | Visit Site |
Note: Eligibility requirements and loan terms may vary by lender and are subject to change. It’s advisable to contact lenders directly or consult with a mortgage broker to explore the best options for your specific financial situation.