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QuickenLoans, Wells Fargo and Bankrate.com. private mortgage insurance and have higher mortgage payments. A few non-traditional lending options are available for potential homebuyers who cannot.

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After home prices tumbled, your only option for a low-down-payment loan was an FHA. find your dream home and not qualify for a large-enough mortgage," says Bob Walters, chief economist for Quicken.

If you’ve been sitting on the sidelines, waiting for the best. lender says you don’t qualify for a HARP refi, don’t take "no" for an answer, and try to find a lender willing to do it. Tip 7: Give.

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