No Fico Score Loans

LENDERLINE® is currently offering no FICO mortgages for properties located in the State of California.

  • Purchase only.
  • No credit score required or allowed.
  • First-time homebuyer OK.
  • Primary residence only.
  • Up to 96.5% loan-to-value.
  • Down payment may be a gift.
  • W-2 wage earner or self-employed.
  • SFR, PUD, condos, townhomes and 2-4 units.
  • No housing payment history OK with budget letter.
  • Borrowers must have 3 non-traditional credit references.
  • No late payment allowed on any account within past 12 months.
  • 2 months PITI reserves must come from borrower’s own funds.
  • Reserves must be seasoned for 2 mos.
  • Gifts do not require seasoning.
  • Up to 45% DTI with compensating factors, 41% DTI without.
  • Manual underwriting using FHA Total Scorecard.
  • Loan limits are county-specific, click here for FHA look-up.
  • 30-year fixed rate.
  • No prepayment penalty.

To download a loan application
for our no FICO
loan program:

LENDERLINE® is your no FICO lender of choice. We offer the lowest no FICO mortgage payment and home interest rates and in the nation.

Questions? To get today’s interest rates or to receive a FREE mortgage consultation, call LENDERLINE® toll-free at 1-888-661-7888, or complete this form to schedule an appointment.

  • Obtaining a mortgage through Lenderline was by far the best loan process we have ever experienced.

    Jay M.

    Northridge, CA

  • We have purchased and/or refinanced 4 rental properties and 3 different residences... In all those years, we have never dealt with such a professional broker.

    Toni M.

    Westlake Village, CA

  • Lenderline got us a cash-out refinance using 24 months bank statements as income, no tax returns, no 1099, and no 4506-T. They had just the loan product we were looking for, their rates were good, and their attention to detail was outstanding. I have already referred some of my friends.

    Thomas J.

    Perris, CA

  • I was at the end of my rope. Other lenders had turned me down due to a recent short sale, and I had a hard money loan with a balloon payment that was coming due. Lenderline was able to pay off my hard money loan, lower my interest rate, and provide some additional cash out at closing. What a lifesaver!

    Hector R.

    Northridge, CA

  • I had no FICO scores, and Lenderline was able to get me an FHA loan with only 3.5% down. My mortgage payment is less than my rent was, and I am now a happy homeowner thanks to the awesome loan agents at Lenderline.

    Edwin D.

    Los Angeles, CA