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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:

Alt Doc & Reduced Doc – 1 Year Employment

1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+ credit score. Get up to 90% LTV on loans up to $1,500,000. Includes asset utilization

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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 for residences or acreage beyond metropolitan areas. We provide programs that address unique property types and income profiles that may

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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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Manufactured Home Loans

Manufactured Home Loan Programs 680 Credit Score, Minimum 50% – Maximum Debt-to-Income Ratio DTI No Cash Out All Automated Underwriting

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Alternative Income Documentation

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Loan Programs by LTV

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