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NON-QM LOANS

A "non-qualified" mortgage allows borrower's to qualify using alternative methods which don't require tax returns.  Many of the non-qm qualifying methods can be combined to make qualifying even easier.  Some popular ways to qualify include:

  • 1099 Only
  • Assets Depletion Loans
  • Bank Statements 12 or 24 Months
  • DSCR Loan
  • Hard Money Loan
  • Interest Only Loan
  • Jumbo Mortgage
  • No Income Verification Mortgage
  • P and L Mortgage 1 Year
Check Your Scenario

STATED INCOME LOAN PROGRAMS

One Month Bank
Statement Loan

DTI Solution
No Tax Returns Required
Interest Only Available
  • Primary Residence Only
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $150k to $5 Million
  • Fixed and ARM’s
  • 650 Min-FICO
  • 75% LTV Purchase / 70% LTV Refinance
  • No Reserve Requirements and No Prepayment Penalty
  • No Mortgage Insurance Required
  • SFR, Condos, Townhouses
GET DETAILS
Primary Res

Asset Depletion

High Net-Worth Individuals
Interest Only Available
  • Use Personal Bank Statements – No Tax Returns
  • Primary Residence, Second Home and Investment Properties
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $180k to $5 Million +
  • Fixed and ARM’s
  • 600 Min-FICO
  • 90% Max LTV
  • SFR, Condos, Townhouse and 2-4 Units
CHECK RATES
High Worth

Other Mortgages

Various Ways To Qualify
Interest Only Options
  • 1099 Borrower's - We have programs
  • Portfolio Loans – We can fund these in excess of $50+ Million.
  • Conventional – Full doc (tax return) mortgages
  • FHA Loans - Lower down-payment options
  • VA Loans - Zero down payment
  • Reverse Mortgages - Borrower's needing income
  • Jumbo and Super Jumbo Mortgages - $50 Million+
CHECK RATES
Other MTGS

Bank Statement Loan

Use Business or Personal Bank Statements
No Tax Returns Required
Interest Only Available
  • Primary Residence, Second Home and Investment Properties
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $150k to $15 Million +
  • Fixed and ARM’s
  • 600 Min-FICO
  • 90% Max LTV
  • No Reserve Requirements and No Prepayment Penalty
  • No Mortgage Insurance Required
  • SFR, Condos, Townhouse and 2-4 Units
GET DETAILS
Popular

Stated Income Loans

No Income Documentation Required
Interest Only Available
  • Residential Investment and Commercial Properties
  • Primary Residences Allowed under Business Purpose * Call
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $150k to $5 Million
  • Fixed and ARM’s
  • 650 Min-FICO
  • 75% Max LTV (Maybe 80% depending on scenario)
  • Residential = SFR, Condos, Townhouse and 2-4 Units
  • Commercial = 5+ Units, Mixed Use, Retail, Office, Warehouse, Self Storage, Automotive
GET DETAILS
Investor

P&L Program

Creative Income Qualifying
1099 Borrower Option
  • Primary Residence, Second Home and Investment Properties
  • Purchase, Rate/Term and Cash-Out Refinance
  • Loans $150k to $15 Million
  • Fixed and ARM's
  • 600 Min-FICO
  • SFR, Condos, Townhouse and 2-4 Units
CHECK RATES
Popular
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