Non-QM Loans
Non–QM Loans
Down Payment Assistance
Down payment assistance is a loan program that rewards buyers who have high credit.
Cash Out Refinance
A cash out refinance can help you restructure your home loan and take advantage of the equity.
Bank Statement Program
A bank statement program helps you qualify for a home using only your bank statements!
Niche Occupation Program
School Staff, Police Officers, HealthCare Workers & other first responders.
DSCR Investment Loan
The DSCR or debt service coverage ratio is the relationship of a property’s annual net operating income.
P&L Loan
A Profit and Loss (P&L) statement can be presented to qualify your borrower based upon their business income rather than personal earnings.
Closed-End Second Mortgage
Offer your borrowers the option to tap into the equity of their home, enabling them to cover significant expenses.
Asset Utilization
Ideal for retired individuals, investors, and entrepreneurs. Use Liquid Assets to Qualify your borrower for a home loan.
iTIN
No SSN#? No problem! Designed for those who have both an individual tax identification number (ITIN) and an established credit history.
Full Doc
Ideal for those who do not qualify for a traditional mortgage. Available for wage earners and self-employed borrowers with income to support a conventional loan but are unable to qualify.
1099 Loan
Tailored to meet the unique needs of your borrowers who are classified as independent contractors and gig workers by using a 12 month total average to determine qualifying income.
iTIN Close Call
No credit score? No problem! Open up the opportunity for non-U.S. citizens to become homeowners broadening the market by boasting
