Exception-Based Non-Prime Lender

Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective wholesale lending and loan origination experience and have streamlined the approval and escrow work flow perfected the escrow   for better time efficiency from pre-qualification, full application, underwriter approval/Conditional Loan Approval (CLA), Prior to Doc (PTD) conditions, Condition Review, final underwrite, Prior to Funding (PTF) conditions, Clear to Close (CTC), Closing Docs to escrow, sign, and close.

Non-QM Lenders and Loan Programs Can be Unique to an Individual Borrower

We have many loan options, and we are poised to increase the buying power of the small to medium size business owner by utilizing industry tools, built into their proprietary mortgage Loan Origination Software (LOS) to make the escrow process smooth and rolling along in a timely fashion. We are closing Non-QM Alt Doc loans in 21 days.

Innovative Product and Service

As a successful business professional, you provide exceptional service to your clients and customers so you should expect the same level of service and care from the people that work for you. We work for you; to serve you the way you want to be served. Non-QM lenders make it possible for us to originate and close Non-Prime solutions that other loan officers cannot. to individual W2 Wage Earner borrowers and Self-Employed business professionals or anyone else that has a complicated tax return can benefit from 1 or more of the following:

Alt Doc and Reduced Doc Programs:

  • Bank Statements

  • 1099 Only

  • Asset Depletion

  • No Doc

  • Reduced Doc

Bank Statement Loan Options - Super Jumbo Loan Amount - $4,000,000 | $2,000,000 - Cash Out

  • 2 Month Business or Personal Account

  • 6 Month Business or Personal - Comingle OK
  • 12 Month Business or Personal - Comingle OK

  • 24 Month Business or Personal - Comingle OK

Jumbo and Super Jumbo - $4,000,000 | $2,000,000 Cash Out

Employment Types:

  • Self Employed - Two Years Minimum
  • Wage Earner / W2 Co-Borrower OK

Eligible Business Entities:

  • Corporation
  • LLC

Employment Verification:

  • Business License 
  • CPA Letter or Tax Professional stating Percentage of Ownership
  • Borrower Prepared Profit and Loss Statement

Property Types:

  • SFR Single Family Residence – Detached
  • SFR Single Family Residence – Attached
  • 2-4 Units
  • Condominiums

Occupancies:

  • Owner-Occupied
  • Non-Owner-Occupied Investment
  • Vacation Home

 

Loan Scenario Form - Credit Check Not Required

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin