Low FICO Score? Get Approved
Home loans for bad credit in California — your credit score shouldn't hold you back.
Credit Score Under 650? No Problem.
Most banks require high credit scores for home loan approvals — but we believe your credit score shouldn't hold you back from buying a home. At Lending Capital, we offer equal consideration for low and high credit borrowers, flexible underwriting, and some of the most accessible loan programs in California
What We Offer
Private Mortgage Loans
For FICO scores below 650 — purchase or refinance.
Cash-Out Refinancing
Access your home's equity even with poor credit.
Purchase Loans
Buy the home you want without bank rejection.
What Is a Low FICO Score in California?
Typically, a FICO score under 650 is considered below average and may limit access to traditional funding. But with Lending Capital:
Our Advantages
Your Deal Won't
Wait. Neither Do We.
Approvals in 6–24 hours. Funded in as little as 7 days. No minimum credit score. California's fastest hard money lender for private money loans.