Unconventional Mortgages (800) 718-8906

Unconventional Mortgages and Loans

(800) 718-8906

Unconventional Mortgages - A Wealth of Information Resource & Service: (800) 718-8906

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Unconventional Mortgage Lenders

Unconventional mortgage lenders offer several benefits that can be advantageous to borrowers seeking alternative financing solutions.

Flexible Eligibility Criteria

In contrast to traditional lending, unconventional mortgage lenders often have more flexible eligibility criteria. They may consider factors beyond just credit score and income, such as employment history, assets, and unique financial situations.

Self-Employed Income

Non-Traditional Income Sources Accepted: Moreover, unconventional lenders are typically more willing to accept income from non-traditional sources, such as self-employment, freelancing, investment income, or rental properties. This opens up borrowing opportunities for individuals with diverse income streams.

Unconventional Specialized Loan Programs: Additionally, unconventional mortgage lenders often offer specialized loan programs tailored to specific borrower needs. These may include options for self-employed individuals, foreign nationals, real estate investors, or those with non-standard financial profiles.

Quick Approval Process: Furthermore, unconventional lenders may offer faster approval processes compared to traditional banks or mortgage lenders. Their streamlined procedures and willingness to consider alternative factors can lead to quicker loan decisions and funding.

Creative Financing Solutions: Unconventional lenders are more likely to offer creative financing solutions that traditional lenders may not provide. These can include interest-only loans, adjustable-rate mortgages, bridge loans, or alternative down payment options.

Accessibility for Unique Properties: Moreover, unconventional lenders are often more willing to finance unique or unconventional properties that traditional lenders may hesitate to fund. This includes properties such as vacation homes, investment properties, mixed-use buildings, or properties in need of renovation.

Personalized Service: Additionally, unconventional lenders typically offer more personalized service and a higher level of flexibility in their loan terms. Borrowers may have the opportunity to work directly with decision-makers who can tailor loan solutions to their specific needs.

Overall, working with an unconventional mortgage lender can provide borrowers with greater flexibility, accessibility, and personalized service compared to traditional lending institutions. These benefits make unconventional lenders an attractive option for borrowers seeking alternative financing solutions.

Our exclusive suite of lending solutions caters to borrowers who fall outside traditional guidelines, offering specialized products tailored to those beyond the Agency guideline parameters. We provide Near Prime “near miss” options as well as Near Prime Jumbo and Super Jumbo loans, all backed by responsible underwriting and thorough due diligence processes. With in-house operations, we ensure swift closings for our clients.

Non-Qualified Lender Options

We feel that our innovative product knowledge and superior lender resource speaks to the quality of service we provide to our borrowers.

We serve your needs with the relationships we have cultivated. A network that is deep and seasoned. Dozens of high-volume brokers throughout the United States. If you’ve been declined for a Non-QM mortgage, understand there are more options than you realize.

Non-Traditional/ Non-QM Lender Network

5th Street Capital, ACC Mortgage, Acra Lending, AD Mortgage, Advancial Mortgage, American Financial, American Home Loans Wholesale, Ameris Bank (lender portal only), AmWest MortgageAngel Oak Mortgage Solutions, Arc Home, Archway Capital, AXOS Bank Home Loans, Bay Mountain, Capital, Better Loans and Realty, BluePoint Mortgage, Broker First, Capital Alliance, Capital Lending Financial, Capstone Financial, Cardinal Financial, Carrington Wholesale, CBC Credit, Union, Champions Funding, Change Wholesale, Civic Financial Services, Clear Edge Lending, CMG Financial, Deephaven, EPM, Equity Wave Lending, Fairway Independent Corp Whole Lending, First National Bank of America, Flagstar Bank, Flanagan State Bank, FLC Bank, Florida Capital Bank Mortgage, Forward Lending, Freedom Mortgage Wholesale, Mortgage Yes, Freedom Mortgage Corporation, Fremont Bank, Fund Loans, GreenBox Loans, Home Xpress, HomeBridge Wholesale, Hometown Equity Mortgage, Jet Mortgage, JMAC Lending, Kind Lending, Land Home Financial Services, Lending Pros, Lendsure, Lima One, LoanStream, Logan, Luther Burbank, Luxury Mortgage Corp, Maggio Capital, Mega Capital, Michigan Mutual, Mr. Cooper, Mutual of Omaha (Forward), Nations Direct Mortgage, New Fi Wholesale, NexBank, North Coast Financial, Oaktree Wholesale Funding Corp, Orion Lending, Pacific Residential, Park Place Finance, PB Financial Group, PennyMac, Plaza Home Mortgage, PowerTPO, PRMG, Provident Bank Mortgage, Provident Funding, Quick Fast Capital, Qountic Bank Wholesale, Quorum, RCN Capital, Redstone Funding, LLC, REMN, Residential Acceptance Corporation, Seattle Funding Group, Sierra Pacific Mortgage, Socotra Capital, Solve Mortgage, SpringEQ, STG, Stone Crest Financial, Sunset Equity, Sunwest Mortgage Company, SwiftSure, Symmetry Lending, Talimar Financial, The Lender, The Loan Store, Temple View, UFFWest, Unified Reliance Wholesale, Unite Mortgage, United Ag, United Wholesale Mortgage (UWM), Val-Chris Investments, Visio Lending, Windsor Mortgage.

Our Unconventional Lender Network provides access to nontraditional lenders, Non-QM lenders, loan products, and niche loan programs. We have solutions for borrowers that do not fit the traditional income documentation guidelines with our 1099 Only options for 2024 to help qualify more borrowers.

All Non-Qualified lenders cater to the self-employed borrowers.  borrowers with complicated tax returns, i.e., Self-Employed borrowers, Business Executives, entrepreneurs. We have Non-QM lenders, Non-Prime lenders, Portfolio lenders, Foreign National lenders, and Investor program lenders.

Unconventional Non-Qualified Lenders

95% LTV jumbo no mortgage insurance purchase at 660 FICO and cash out 24-hour turn times in underwriting with no overlays, manufactured homes, W2 only programs with no traditional guideline overlays on gift funds. Equity qualifying, and Profit and Loss (P&L) programs.

Non-QM includes 12 and 24 personal or business bank statements using up to 100% of deposits as income, interest only including 40-year amortization with 10-year interest-only. Then re-cast, 30-yr amortization. Non warrantable condominiums with no investor concentration, one year out of bankruptcy and short sale two, years out of foreclosure. A product for a seasoned real estate investor owning up to twenty investment properties.

Non-Prime Reduced Doc Self-Employed

Borrower reduced income, nontraditional methods 12 months personal and or business bank account statements, P&L Only. Alternative income and employment documentation programs, the lender will require a signed 4506-C, only executed should the loan go into default. Non-Prime, No Doc, Lite Doc, Reduced Doc, Bank Statement Lenders, 1099 Only option programs designed for borrowers who receive one or more 1099 ‘s per year is allowed and furthermore can be combined with other types of alternative and full doc income. Form 1040 Only, and One Year Tax Returns, etc.

Investors | DSCR – 580 Credit Score

Real Estate Investor Debt-Service-Coverage Ratio (DSCR) programs with alternative income documentation and employment history like the No Doc loans, etc.

Correspondent Lender Programs

The built-in advantage of working with a correspondent channel is underwriting turn time. Same day all day. For favorable pricing and superior service, we have in-house Correspondent Lenders with exceptional turn times. Conforming loans (minimal to no guideline overlays with 60% DTI and reserves waivers) to Portfolio Qualified Mortgage lenders that offer a-paper.

QM and Non-QM Asset Depletion Loans

Lenders who allow for Asset Depletion supplement income to qualify for a loan or a better, more favorable loan. Multiple qualifying methods for borrowers who have assets and revenue/income: Asset Depletion converts borrower’s assets to income. Assets must cover loan amount, down payment, reserves, and 5 years of current monthly obligations.

Non-Prime Lenders & Loans

Underwriting Guideline exceptions and requirements are based on credit scores, Debt to Income ratio, equity position/loan to value ratio, occupancy, property type, and various variables and loan characteristics such as “credit event” seasoning.

Mortgage Pre-Qualification Form – No Credit Check

We Service 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.

Alternative Income Documentation

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Non-Qualified Mortgage Lending

Hard Money Loans

Investor Loans

Investment Property Loans