What type of loan are high-risk borrowers MOST likely to negotiate?

High-risk borrowers are most likely to negotiate a subprime loan because this type of loan is specifically designed for individuals with lower credit scores or poor credit history, making it accessible to those who might not qualify for traditional lending options. Subprime loans generally carry higher interest rates to offset the lender's increased risk associated with lending to borrowers who present a higher likelihood of defaulting.

In contrast, prime loans are intended for borrowers with strong credit profiles, offering lower interest rates. Conventional loans, while available to a broader range of applicants, still favor those who have better credit ratings. Government-backed loans, like FHA or VA loans, typically require certain credit standards and protective measures for the lender, making them less available to high-risk borrowers. Therefore, subprime loans are tailored to meet the needs of those borrowers who have difficulty accessing standard financing, allowing them to negotiate terms that reflect their particular risk profile.