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Non-QM Mortgage Broker

Non-Qualified Mortgage Lenders

Top level Non-QM lender for Prime, Non-Prime Portfolio Product

"Non-QM Tips & Tricks" on Bank statements, 1099 Only and K-1 Only. Tax Returns, Transcripts - Not Required

Top 5 Rated Non-QM lender in the United States

Income Doc Types Available

Bank Statement Programs: 1 Month, 2 Months, 3 Months, 6 Months, 12 Months, and 14 Months

12 Months Personal Bank Statement Program - 100% deposit utilization. Multiple bank accounts from both personal and business accounts with credit scores down to 620 to 80% LTV and 660 to 90% LTV. Interest-Only with a 30 year 40 year terms available. 

Qualifying Income is the Lower of the Following Two Options

Borrower Prepared P&L Statement should be supported with business bank statements. Can "gross up" P&L 115%. 

Expense Factor 15% to 85% depending realistic numbers based on business scope including industry, service/product/manufacturing, B2B, B2C, etc. CPA, Tax Professional or Business Associate Prepared P&L

Additional Income Deposited

W2's wage earner full doc income, 1099 sole proprietor business, rental income, distribution payment (unseasoned OK), asset utilization, social security, child support, alimony, Airbnb, side business. Transfers from other accounts must be sourced and not seasoned

True DSCR

No Ratio - 80% LTV. ADU Income OK. 620 Credit Score. Gift Funds

No employment or REO conditions, 75% LTV to $$4,000,000, 70% to $4,500,000 and /65% LTV to 4 $5,000,000

Asset Depletion Options

Eligible Reserves

Cash Out can be used for reserve requirement

Bitcoin now accepted as liquid assets for qualifying purposes, down payment, closing costs - OK

First Time Homebuyers (FTHB) - OK

First Time investors Available - Jumbo Loans to 90% LTV

Terms

30 and 40 Year Fixed and Interest Only Options on Fixed Rates

 

 

  Mortgage Pre-Qualification Form - No Credit Check   
List of articles in category Non-Qualified Mortgage Lenders
Title Modified Date
Bank Statement Calculation Mortgage Lenders 29 August 2022
Portfolio Mortgage Lenders 20 July 2022
Non-QM Lender 22 August 2022
Bank Statement Income 20 July 2022
Non-QM Lender Jumbo Lender 22 August 2022
Non-QM Portfolio Lender Loan Programs 21 August 2022
Non-QM Lender - Stated Expense Ratio 21 August 2022
Non-QM Lender - California 23 December 2022
Asset Qualifier 23 December 2022
Non-Prime Non-Qualified Lender Programs 20 July 2022
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Programs We Offer

Alternative Income Documentation

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Purchase Loans - Alt Doc

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  • Multi Unit Property Loans

Credit Score Tools

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One Month Bank Statement Loan

  • 680 Credit Score - 80% LTV
  • One Month Bank Statement - 80% LTV
  • One Month Bank Statement to $5,000,000

Bank Statement Refinance Loans

  • Jumbo $10,000,000
  • Real Estate Investor Cash Out
  • 1099 Only Alt Doc Non-Occ Co-borrower OK
  • 75% LTV 620 Credit Score | Non-Prime
  • 6 Months Cash Out to 85% LTV 760 FICO
  • 600 Credit Score 75% LTV Cash Out

3 Month Bank Statement Loans

  • 3 Months - 620 Credit Score
  • $2,000,000 Jumbo Cash Out
  • Bank Statements - No 4506-C

Cash Out Refinance

  • Investment Property Loans
  • Jumbo Loans
  • Super Jumbo Loans

Bank Statement Loan Niches

  • 12 Months Personal to 90% LTV
  • Bank Statement Jumbo - 620 Credit Score
  • Interest-Only 640 Credit Score
  • No 4506-C - 620 Credit Score
  • Non-Prime - 580 Credit Score
  • 600 Credit Score - $2,500,000
  • 85% LTV Jumbo - 640 Credit Score
  • 55% DTI to $2,000,000
  • Second Home - 85% LTV
  • 2-Unit - $500,000 Loan Amount

Non-QM Lending

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