We are non-QM experts, check out some of our loan programs

Our primary goal is to offer a wide range of mortgage programs that cater to the diverse needs of borrowers today. We are excited to present our extensive selection of non-qualified mortgage (non-QM) solutions designed to meet the unique requirements of various client profiles.

Stand Alone 2nd Lien

-Ideal for homeowners who want to access their home equity while maintaining their current favorable interest rate.

-Up to 90% Combined Loan-to-Value (CLTV) ratio, with a minimum FICO score of 680.

-Flexible loan durations available: 10, 15, and 30 years fixed.

-Both full documentation and alternative documentation pathways are available.

-Applicable for Primary Residences, Second Homes, and Investments.

Foreign National

– Tailored specifically for non-residents looking for property ownership opportunities in the US.

– Loan amounts ranging from $150,000 to $2,000,000.

– Option to provide either business or personal bank statements.

– Choose between an attractive 30-year fixed rate or a 5/6 Adjustable Rate Mortgage (ARM) with a 10-year Interest-only period.

Bank Statement Mortgage

– An excellent alternative for self-employed individuals to demonstrate their business’s financial health.

– Loans available up to $3,000,000.

– Flexible ownership requirements, with as low as 50% ownership for business bank statements.

ITIN Loan Option

– Specifically designed for self-employed individuals with Individual Taxpayer Identification Numbers (ITINs).

– Verification can be done using ITINs instead of tax returns.

– Options available for both Purchase and Refinance.

– Favorable credit score threshold starting at 620.

P&L Only Program

– Perfect for those seeking an alternative income verification method.

– Relies on a 12-month Profit and Loss (P&L) statement.

– Loan values of up to $1,500,000, with a maximum Loan-to-Value (LTV) ratio of 80%.

DSCR Program

– A hassle-free solution that focuses on property cash flow, bypassing traditional income requirements.

– High LTV of up to 80%.

– Generous loan values, extending up to $3,500,000.

– Primarily designed for Investment Properties.

We would be delighted to work with you and assist in delivering the best non-QM loan solutions to our clients. Contact us for more non-QM loan options.