Non-QM Loan Programs

Our specialty is the self-employed borrower; we have loan programs to fit your financial needs.

SBA Loans
  • Purchase, Refinance, Rehab & Construction
  • 100% LTV
  • Financing for small business

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No Income Verification
  • No Tax Return Required
  • 30% Down payment
  • Loan Amounts Up to 5 Million

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Bank Statement Program
  • No P&L Statement is required
  • Separate Personal and Business Accounts
  • Qualify with Business Bank Statements

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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

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Non-Warrantable Condos
  • Less strict guidelines
  • Projects 10-30 units.
  • Non-Agency and our Non-QM program

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Synagogue Loan Financing
  • Synagogue mortgages from $50K to $500K
  • Above $100K feature a 25-year fixed rate
  • Interest rates between 10.99% and 12.375%

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Investment Properties
  • Loan amounts from $100,000 to $2,000,000
  • 85% LTV
  • Unlimited financed properties

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Home Style Renovation Program
  • Available For Up To 80% LTV
  • Own Up To 4 Financed Properties
  • No Minimum Repair Amount Required

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Back to Work Program
  • Good credit history
  • Financing solution for the right borrowers
  • FHA loan requirements

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Co-Op Purchase Loans
  • Purchase or Refinance at 95% Financing
  • Investment andSecond Home Co-Ops
  • 24 years of Coop Financing

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Stated Income
  • Loan Amounts up to $2 million
  • Up to 65% loan-to-value
  • Purchase or refinance

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Foreign National Mortgage
  • Qualify full doc OR assets only
  • No work visa required
  • No income documentation required

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Mixed Use Mortgage 
  • 7/7 ARM balloon options
  • No Income Verification Loan
  • 75% loan-to-value

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Stated Income Mortgages
  • 75 percent loan-to-value
  • 30-day closing time
  • Wide range of commercial property types

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Fannie Mae Mixed Use Mortgage
  • Borrower is primary owner operator
  • Must occupy property as primary residence
  • Mortgage loans for mixed use properties

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Investment Co-Ops
  • Competitive interest rates
  • Reasonable loan terms
  • Fast approval

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CashFlow Program
  • Generate income from investment property
  • Purchase a rental property
  • Refinance proceeds for business use

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Asset Utilization Loan Program
  • Increases your loan amount
  • Liquid assets qualify
  • Non-traditional income streams qualify

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Church Loan Financing
  • Financing for for any denomination
  • Any size congregation
  • Mortgages from $50K to $500K

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No Income Check Mortgage
  • No Tax Returns Required
  • No Pay-Stubs Required
  • No W2’s Required

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Mixed-Use Property Financing for Primary Residence
  • FHA financing for a mixed-use property
  • Combined office/living space
  • Commercial finance with a residential loan

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Business Lines of Credit
  • Increase inventory
  • Purchase necessary business equipment
  • Manage cash flow

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Land/ Farm Loans
  • Unconventional structures
  • Experts in rural financing
  • Competitive pricing and flexible programs

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No Income Verification Loans For Cooperatives
  • Loans available for up to $2 million
  • 60 percent loan-to-value for jumbo loans
  • No Income verification

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Jumbo Construction Loans
  • Loan-to-value ratio is 90 percent
  • Only interest during the construction period
  • One-time closing

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Qualify with 1 Year Income 
  • Loans from $100,000 – $3,000,000
  • Foreign Nationals permitted
  • All occupancy types allowed

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Personal Bank Statement Loans
  • Loans up to $2,500,000
  • Cash-out option up to $1,000,000
  • Minimum credit score of 620

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