Non-QM Loans

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Full Doc

Full Doc Non-QM loans are designed for borrowers who have the income to support a conventional loan, but for one reason or another do not qualify. Full Doc Non-QM loans offer the lowest rates among the Non-QM products and can often make for a compelling Jumbo loan solution.​

Up to 90% LTV

Owner-Occupied & Investment options

Loan amounts up to $4,000,000

Credit scores start at 600

A lender you can trust!

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Bank Statement

Bank statement loans are designed for self employed borrower looking to use alternative forms of income to qualify for a mortgage loan. 12- and 24-month bank statement options are available.

Up to 90% LTV

Owner-Occupied & Investment options

Loans amounts up to $4,000,000

Credit scores start at 600

A lender you can trust!

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Profit and Loss

Profit and Loss loans are designed for self employed borrower looking to use alternative forms of income to qualify for a mortgage loan. 12- and 24-month P&L options are available.

Up to 80% LTV

Owner-Occupied & Investment options

Loans amounts up to $4,000,000

Credit scores start at 660

A lender you can trust !

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Asset Utilization

Asset Utilization loans are designed for high net worth individuals looking to purchase or refinance a home. Assets are used in lieu of traditional income to qualify.

Assets divided by 60 to calculate income

Owner-Occupied & Investment options

Up to 80% LTV

Credit scores starting at 600

A lender you can trust !

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WVOE & 1099

WVOE & 1099 loans are designed for borrowers looking for an alternate income method of mortgage lending. The no tax returns are required just a WVOE or 1099.

No Tax Return or W2

Owner-Occupied & Investment options

Up to 80% LTV

Credit scores starting at 600

A lender you can trust !

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DSCR

DSCR loans are designed for real estate investors looking for an alternate income method of mortgage lending. The DSCR qualifies a borrower based on the property’s debt service coverage ratio.​

No income verification

Can close in the name of a business

Up to 80% LTV

Credit scores starting at 620

A lender you can trust!

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Cross Collateral DSCR

Cross Collateral loans are designed for real estate investors looking to finance multiple properties with one loan using the properties' DSCR.

1.20 DSCR Required

Up to 70% LTV

Up to 25 properties in one loan

Credit Scores starting at 660

A lender you can trust!

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DSCR 5-8 Units and Mixed Use

This loan is perfect for investors looking to finance mixed-use or 5-8 unit properties with out traditional income verification.

DSCR starting at 1

Up to 75% LTV

Can close in the name of a company

Credit score start at 660

A lender you can trust!

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Foreign National

Foreign National loans are designed for international borrowers looking to make purchases or refinances in the United State. There are full doc and DSCR options available.

Stated income

Up to 75% LTV

DSCR options available

No credit score required

A lender you can trust!

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Bridge Loans

Bridge loans are designed for real estate investors looking for a short-term financing solution. Although these loans required large down payments (or higher levels of equity), and typically come with higher interest rates, minimal documentation is required.

Up to 75% LTV

No income documentation required

Terms as long as 2 years available

No pre-payment options are available

Fast closings

Must close in the name of a business

A lender you can trust!

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Fix & Flip Loans

Fix & Flip/Fix & Hold loans are designed for real estate investors looking for a short-term construction loan to improve an existing home. Investor experience is the main underwriting factor and minimal documentation is required.

Up to 85% Loan to Cost

Up to 75% Loan to After Repair Value

Terms as long as 2 years available

No pre-payment options are available

Fast closings

Must close in the name of a business

A lender you can trust!

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Construction Loans

Construction loans are designed for real estate investors looking for a short-term construction loan to build a project from the ground up. Investor experience is the main underwriting factor and minimal documentation is required.

Up to 85% Loan to Cost

Up to 65% Loan to After Repair Value

Terms as long as 2 years available

No pre-payment options are available

Fast closings

Must close in the name of a business

A lender you can trust !

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Jumbo

Jumbo loans are loans that exceed the conforming loan limit determined by the Federal Housing Financing Agency. Jumbo loans are great options for home with higher price tags and often offer rates comparable to standard conventional loans.

Credit scores start at 620

Down payments as low as 10%

Loan amounts up to $4,000,000