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Current Lender Niches

Portfolio lenders usually have the most unique loan programs. However, there are unique guidelines variances among most core Non-QM lenders. Examples of niche loan programs would include, removal of departing residence housing expense from borrower DTI. Or ability to use cash out as qualifiable asset depletion income. Various different asset depletion programs. Newly self-employed borrowers. Stated income on a primary residence (No Doc). Investor loans to $30,000,000. Cash out refinance with unlimited cash out, etc.

Current Lender Niches - Guidelines and Highlights:

Rural Property

Flexible Financing for Homes and Acreage in Rural AreasOur Rural Property Loans are designed for buyers and investors seeking mortgages for residences or acreage beyond metropolitan areas. We provide programs that address unique property types and income profiles that may

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Inherited Property Loan Program

Inherited Property Financing 80% Loan-to-Value (LTV) This loan program is for people that have lost a family member and would like to keep the home. Purpose: Purchase, Refinance, and Cash Out Refinance Underwriting Notes: Credit: Deferred Maintenance – OK Debt

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Rural Property

Flexible Financing for Homes and Acreage in Rural AreasOur Rural Property Loans are designed for buyers and investors seeking mortgages

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Non-QM Low Doc Jumbo

One-Year W-2 Jumbo: low-doc jumbo non-QM loans; 1-year W2 income, bank-statements, asset depletion. Up to $6M, 90% LTV for refi,

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Non-QM – Stated Expense Ratio

Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage

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Alternative Income Documentation

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Bank Statement Second Mortgages

Unconventional Mortgage Lending

Non-Prime Wholesale Lenders

Bank Statement Loans by Credit Score

Bank Statement Loans by Month

Niche Loans

Hard Money Investor Loans

Stated Income Loans

Non-QM Category Lenders

1099 Niche Loans

Bank Statement Niches

Non-Prime Mortgages

Non-Prime Bank Statement Loans

Taxonomy Archives

Credit Score Tools