Non-QM Loan Programs
Our specialty is the self-employed borrower; we have loan programs to fit your financial needs.
No Income Verification
- No Tax Return Required
- 30% Down payment
- Loan Amounts Up to 5 Million
Bank Statement Program
- No P&L Statement is required
- Separate Personal and Business Accounts
- Qualify with Business Bank Statements
No Ratio Mortgages
- Loan-to-value ratio as high as 75%
- Up to 100% of borrower funds from gifts
- No restrictions on cash-out financing
Non-Warrantable Condos
- Less strict guidelines
- Projects 10-30 units.
- Non-Agency and our Non-QM program
Investment Properties
- Loan amounts from $100,000 to $2,000,000
- 85% LTV
- Unlimited financed properties
Home Style Renovation Program
- Available For Up To 80% LTV
- Own Up To 4 Financed Properties
- No Minimum Repair Amount Required
Back to Work Program
- Good credit history
- Financing solution for the right borrowers
- FHA loan requirements
Co-Op Purchase Loans
- Purchase or Refinance at 95% Financing
- Investment andSecond Home Co-Ops
- 24 years of Coop Financing
Stated Income
- Loan Amounts up to $2 million
- Up to 65% loan-to-value
- Purchase or refinance
Foreign National Mortgage
- Qualify full doc OR assets only
- No work visa required
- No income documentation required
Mixed Use Mortgage
- 7/7 ARM balloon options
- No Income Verification Loan
- 75% loan-to-value
Fannie Mae Mixed Use Mortgage
- Borrower is primary owner operator
- Must occupy property as primary residence
- Mortgage loans for mixed use properties
SBA Loans
- Purchase, Refinance, Rehab & Construction
- 100% LTV
- Financing for small business
NIVA
- No Income / No Employment Needed
- Up to 65 LTV – 680 FICO
- 1 Month Recent Bank statement
CashFlow Program
- Generate income from investment property
- Purchase a rental property
- Refinance proceeds for business use
Asset Utilization Loan Program
- Increases your loan amount
- Liquid assets qualify
- Non-traditional income streams qualify
Church Loan Financing
- Financing for for any denomination
- Any size congregation
- Mortgages from $50K to $500K
No Income Check Mortgage
- No Tax Returns Required
- No Pay-Stubs Required
- No W2’s Required
Mixed-Use Property Financing for Primary Residence
- FHA financing for a mixed-use property
- Combined office/living space
- Commercial finance with a residential loan
Business Lines of Credit
- Increase inventory
- Purchase necessary business equipment
- Manage cash flow
Land/ Farm Loans
- Unconventional structures
- Experts in rural financing
- Competitive pricing and flexible programs
No Income Verification For Coops
- Loans available for up to $2 million
- 60 percent loan-to-value for jumbo loans
- No Income verification
Jumbo Construction Loans
- Loan-to-value ratio is 90 percent
- Only interest during the construction period
- One-time closing
Qualify with 1 Year Income
- Loans from $100,000 – $3,000,000
- Foreign Nationals permitted
- All occupancy types allowed
Personal Bank Statement Loans
- Loans up to $2,500,000
- Cash-out option up to $1,000,000
- Minimum credit score of 620
Streamline Refinance – No Doc
- Close in less than 20 DAYS!
- Loans to $3,000,000
- Max LTV: 80% with 700 FICO
Fix & Flip: Rehab Property Loans
- Loans from $50,000 to $3M
- 12 or 18-month loan terms
- Credit score of 620
Cross Collateralization
- Commercial and Income Property
- Loan amounts to $25M
- Interest-only options
Investment Jumbo Coop Loan
- Option for urban investors
- Loan Amounts up to $3M
- Credit Score 600