Finding new banks willing to accept subprime mortgages is usually because new banks offer lower interest rates or other more favorable loan terms. Submit the application to the new bank and provide the required documents, including but not limited to: original mortgage contract, copy of real estate license, identity certificate, income certificate, repayment record, etc. The new bank will evaluate the qualifications of the borrower and the collateral provided, and decide whether to accept the re-loan application and give a new loan plan according to the evaluation results.