List of Private and other lenders for home loan

[Anonymous]

i heard they r other banks/lenders who offers money to buy to house for people with bad credit or who can't prove all the income , but i lost of the track is there anyway i can get a list of that lenders who offers that type of loan , 

loan amount - 250k - 300k in CA USA

[Anonymous]

I don't know the particulars, but will offer this advice-I wouldn't go this route.  There are places/people that prey on folks who find themselves in a bad situation, and will make you a deal that sounds good but can ruin you on down the road.  Make a loan they know almost all but impossible for you to pay back, and the next thing you know you have nothing.

If you're credit is not good, take the long game approach to improve it, and when that happens you have options and can deal with proffessionals.

[ShanetheMortgageMan]

If you are referring to a hard money loan, then you can just Google "hard money lending" and your county/city and odds are you'll find a list of them that way.  If you are referring to sub-prime loans, those types of lenders aren't making them direct to consumer yet since they require a licensed loan officer to originate the mortgages, so you'd need to go through a mortgage broker.

These loans are used for temporary situations that will improve within a year or two... do you think you would be able to get approved for regular financing within a couple years?  If so, then it'd be something to consider. 

Significant down payments are required if you can't verify income in the traditional sense with W-2's, paystubs and/or tax returns.  Prepare to put 30%+ down.  Do you have that much down?  Even if you can verify income in the traditional sense, but your credit doesn't qualify you for regular mortgages, down payments will be in the 15-35% range.