Non-Prime loans come in many forms.  These loan types are in a classification that evolved from the SubPrime days which contributed to the real estate and mortgage crisis in 2007.  They do not fall in the same category of standards which are regulated in government backed loans from FHA, VA, FNMA, and FHLMC.  Non-Prime loans are not A-Paper as defined as Qualified Mortgages and have sub standard credit and income leniency guidelines. 

Non-Prime loans typically are made to borrowers who have recent negative credit which impacted financial events such as Foreclosure, Bankruptcy, Short Sale, Collections, and Charge-Offs.  The positive side for borrowers with these circumstances seeking a Non-Prime loan can use alternative documentation to qualify.  Depending on the lender, borrowers can supply bank statements, liquid assets, and other non-typical forms of income to satisfy an underwriters requirement, unlike supplying verifiable tax returns, pay-stubs and W-2's for typical conforming loans.  Non-Prime loans are associated with higher rates and fees. Investors approving these loans experience higher risks associated with funding and servicing them, therefore the higher costs and fees are substantiated. Non-Prime loans are typically short term loans and should be treated as a temporary financial solution and not permanent financing.

American Nationwide Mortgage Company is a direct lender and funds our own mortgages nationwide. We do understand borrowers have financial and credit hardships in life and we want to help you achieve your mortgage needs. We have customers who need these Non-Prime loans as a result we broker these types of loans to the appropriate investor.  Contact one of our Non-Prime Specialists to discuss your options today and plan for permanent financing.

Phone: 813-964-1268
Fax: 813-964-1269
3820 Northdale Blvd., Suite 111A
Tampa, Florida 33624
Corporate NMLS ID: 13392
  • YouTube Social  Icon
  • LinkedIn Social Icon
  • Facebook Social Icon

© 2021 American Nationwide Mortgage Company, Inc. Equal Housing Lender


These guidelines explain how to make Web content more accessible for people with disabilities. Conformance with these guidelines will help make the web more user friendly to everyone. adhere to the guidelines and standards for accessibility, it is not always possible to do so in all areas of the website and we are currently working to achieve this. Be aware that due to the dynamic nature of the website, minor issues may occasionally occur as it is updated regularly. We are continually seeking out solutions that will bring all areas of the site up to the same level of overall web accessibility.

If you have any comments and or suggestions relating to improving the accessibility of our site, please don't hesitate to contact our accessibility coordinator, Chris Cunningham at (410) 456-1936 or  Your feedback will help us make improvements.