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What if I have bad credit, will you need a down payment then? No, as long as the borrower can provide sufficient collateral to cover the full value of the loan, you can still get a hard money loan with no money down. Would you like to see if you can qualify for a hard money loans with no cash down? Have you had foreclosures in the past?
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How To Qualify For A Bad Credit Home Loan With No Money Down. To get a bad credit mortgage loan with no money down you will want to have two properties which are free and clear to use as collateral. This will secure your loan to help purchase the new property without having to come up with the 20% – 30% of the purchase price as down payment.