Hi, Mike, Even in the “old” days, NINA was driven by high credit scores. If this is a request to find financing with poor credit, it’s probably not likely unless you are willing to mortgage yourself to the hilt. If it’s truly that you want a lender not to qualify you based on income, because your debts are high, but income is good, savings are good, and scores are high, then you should seek the bank that holds the most of your monies in deposit and pledge them. If you do not have assets, income, and poor credit – there are places on the web you can find, e.g., Google subprime mortage loans for your state, you’ll find some. However, you might find yourself in terrible trouble financially down the line. These loans are not made to the benefit of borrowers. Good luck.