A Wealth of Information and Service - Contact a Loan Officer (800) 718-8906
A Wealth of Information and Service - Contact a Loan Officer (800) 718-8906
Cash-out refinancing with a Non-Qualified Mortgage offers homeowners and investors access to home equity without traditional income requirements. Designed for self-employed borrowers, entrepreneurs, and those with unique financial profiles, these loans provide the flexibility to achieve financial goals through unconventional lending solutions.
Our Cash Out Refinance Loan Options are built for borrowers who don’t fit into the conventional lending box. Whether you’re self-employed, an investor, or have non-traditional income sources, Non-QM refinancing lets you unlock your equity with adaptable terms. By working with experienced Non-Qualified mortgage lenders, you can access financing without the rigid documentation and income restrictions of standard loans.
Cash-out refinancing through Non-QM loans empowers borrowers to leverage home equity without conventional barriers. These programs are ideal for those seeking liquidity to reinvest, expand portfolios, or manage personal financial goals.
We specialize in Unconventional Cash Out Refinance Loans, offering customized solutions for homeowners and investors alike. With more flexible underwriting standards, borrowers can tap into their property’s value and enjoy greater financial freedom.
Self-employed borrowers, entrepreneurs, and independent investors often struggle with strict conventional guidelines. Our Non-QM cash-out refinance program accommodates bank statements, P&L statements, and alternative documentation, allowing access to funds without the burden of tax return verification.
As trusted Non-Qualified mortgage lenders, we help both self-employed and W-2 borrowers who need unconventional financing options. Non-QM loans are specifically designed for borrowers with irregular or complex income streams, giving them access to refinancing solutions not available with traditional lenders.
Non-QM features include Interest-Only options, 40-year amortization periods, alternative income documentation, reduced employment seasoning requirements, and flexible full doc, bank statement, and 1099 debt ratio‘s allowing for a 55% debt-to-income ratio (DTI). QM loans cap DTI at 43%. Moreover, Non-QM Automated Underwriter System (AUS) approvals are now accessible.
Non-QM mortgages expand access to refinancing by prioritizing financial reality over rigid guidelines. They are ideal for:
* Borrowers who fall outside conventional lending criteria
* Real estate investors seeking cash-out options
* Self-employed individuals with fluctuating income
Contact a Loan Officer