Non-QM HELOCs

Our specialty is offering  Home Equity Lines of Credit (HELOCs) for all types of borrowers: self-employed, unemployed, retired, investors, and any property owner who cannot go the conventional route.

HELOCs

Core Structure:

• 2, 3, or 5-year draw periods
• Interest-only payments for the first 10 years
• 20- or 30-year total loan terms

Alt Doc & No-Income Options

Conventional lenders rely heavily on tax returns, but we know that doesn’t always reflect the full picture. Our HELOC programs include Alternative Documentation (Alt Doc) options.

• WVOE (Written Verification of Employment)
• Profit & Loss Statements (P&L)
• Bank Statements (personal or business)
• DSCR (Debt Service Coverage Ratio for investors)

Maximum CLTV up to 75% depending on the documentation type.

No-Income HELOC Option (Yes, Really)

For qualified borrowers, we also offer a No-Income Verification HELOC.

• Owner-occupied properties
• Up to 60% CLTV
• Minimum 640 FICO

Investor-Friendly HELOC Solutions

Real estate investors are a big part of what we do.

• No-ratio investment options
• DSCR qualification (no personal income required)
• Lienient underwriting for rental portfolios

Our HELOCs are available for a wide range of borrowers and property types:

• Primary residences
• Second homes
• Investment properties
• Foreign Nationals eligible

Loan Amounts:

• From $25,000 up to $3,000,000

Reach out, and we’ll connect you with a Heloc loan specialist to go over your scenarios.