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A significant number of our Non-Prime lenders are also the end investor. Advantage: The investor author the underwriting guidelines and retain final authority on all credit decisions. Exceptions may be considered with acceptable compensating factors. We offer loan solutions for borrowers with FICO scores starting at 550, with bank statement programs available from a 600 FICO. Bankruptcy seasoning is not required, and flexible income documentation options are available to meet varied borrower scenarios.
Our Non-QM platform is supported by dedicated credit, operations, support, and setup teams focused exclusively on Non-QM transactions to ensure speed and accuracy. We offer a 40-year loan term and accommodate ITIN borrowers—non-U.S. citizens who reside in the U.S. and file U.S. tax returns.
Non-prime lender guidelines often offer flexibility regarding derogatory credit events, such as bankruptcy, foreclosure, short sale, deed-in-lieu, or mortgage late payments (up to 60 days late) within the previous 12 months. These guidelines extend to both conventional and unconventional Non-Qualified mortgage loans. Borrowers with credit scores as low as 520 can still find opportunities within the non-prime lending market.
Non-Prime mortgages are like the Sub-Prime mortgages from back in the 2000’s. The difference is responsible guidelines of which are congruent with the purpose of the Ability-to-Repay Rule as well as the investor base behind the loan programs, guidelines, rates, features, etc.
For borrowers navigating financial challenges or recovering from past credit issues, non-prime lending offers a pathway to homeownership and financial stability. By considering a broader spectrum of borrower profiles, non-prime lenders contribute to expanding access to mortgage financing for a diverse range of individuals and families.
Non-prime lending offers opportunities for those with less-than-perfect credit histories, borrowers should still strive to improve their credit scores and financial profiles whenever possible. Doing so not only enhances their eligibility for favorable loan terms but also strengthens their overall financial health and stability in the long run.
Non-prime lending serves as a vital resource for individuals seeking mortgage financing amidst credit challenges or unconventional financial situations. With flexible guidelines and a focus on alternative documentation, non-prime lenders empower borrowers to pursue homeownership and financial security, regardless of past credit setbacks or non-traditional income sources.
Fix and Flip’sGround Up Construction ITIN Programs to 95% LTV ITIN No Credit Score and No Visa Required TermsHELOCsFixed Rate closed end Eligible Property TypesSFRCondominium (reduce LTV 5%)1-4 Unit Construction Eligible Occupancies Owner-OccupiedNon-Owner-Occupied
Capital Alliance Offers the Following Programs Check back often as we are always updating our lender and loan program information. O/O Consumer Purpose Jumbo Prime N/O/O Business Purpose Bridge Loans Business Purpose (O/O or N/O/O) Renovation or Fix & Flip
Solutions Non-QM 1 Now allows borrowers to qualify using a flat 50% expense ratio across all industries and without requiring a business narrative. * Qualify using a 50%-90% expense factor no additional expense information is required. * For borrowers with
AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking flexibility and efficiency. With no income or employment verification required, and no need to meet
Clear Edge Lending Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans Closed-End Second Mortgage Investor Connect ITIN Flex Connect (DU + Non-QM) Plus Connect Jade Prime
Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.
Carrington Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Prime Advantage (Portfolio) Flexible Advantage Plus (Non-QM) Flexible Advantage (Non-Prime) Investor Advantage Closed End Second Mortgage We continue to
Solve Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Lender We invite you to explore our flexible guidelines and determine if they align with your requirements. Alt
Arc Home Loans Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Access & Edge Access Clean Slate Access & Edge DSCR Access & Edge Alt Income ~ Mortgage Pre-Qualification
Acra Offers the Following Programs Check back often as we are always updating our lender and loan program information. 12-Month Bank Statement Foreign National Investor Cash Flow / DSCR ITIN Non-QM Niche Jumbo Non-QM ATR-In-Full Business Purpose Condotel Interest Only
Self-Employed Primary Borrower Self-Employed Bank Statement Loans are ideal for self-employed borrowers when tax returns/ Full Doc doesn’t apply Alt Doc (24 months) – Bank Statement Program These programs focus on bank statement revenue and cash-flow, making them suitable for
Non-Prime Mortgage Lender Programs and Highlights Independent contractor mortgage borrowers can now use their 1099 forms to qualify as additional income, demonstrating their ability to repay. This is particularly beneficial for sole proprietors seeking mortgage approval. By including 1099 income,
Maximum Loan Amount: $4,000,000 Cash Out: $2,000,000 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
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24 months to qualify for home loans with flexible terms. Available for purchases, refinances, and cash-out options, this program accommodates credit scores as low as 600, including previous bankruptcies, foreclosures, and short sales.
New Jumbo Guidelines with Loan Amounts to $10,000,000 Most Non-QM lenders require a 620 minimum credit score to qualify for 85% LTV Cash Out for refinance loans and 15% down payment purchase loan. Loan amounts >$3,000,000 – 2 Appraisals Required.
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of bank statements. Bank Statement Program for Self-Employed, 24 months This program is designed to meet
Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24 months to qualify for home loans with flexible terms. Available for purchases, refinances, and cash-out options, this program accommodates credit scores as low as 600, including previous bankruptcies, foreclosures, and short sales.
Fix and Flip’sGround Up Construction ITIN Programs to 95% LTV ITIN No Credit Score and No Visa Required TermsHELOCsFixed Rate closed end Eligible Property TypesSFRCondominium
Capital Alliance Offers the Following Programs Check back often as we are always updating our lender and loan program information. O/O Consumer Purpose Jumbo Prime
Solutions Non-QM 1 Now allows borrowers to qualify using a flat 50% expense ratio across all industries and without requiring a business narrative. * Qualify
AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking
Clear Edge Lending Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans
Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.
Carrington Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Prime Advantage (Portfolio) Flexible
Solve Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Lender We invite
Arc Home Loans Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Access & Edge
Acra Offers the Following Programs Check back often as we are always updating our lender and loan program information. 12-Month Bank Statement Foreign National Investor
Self-Employed Primary Borrower Self-Employed Bank Statement Loans are ideal for self-employed borrowers when tax returns/ Full Doc doesn’t apply Alt Doc (24 months) – Bank
Non-Prime Mortgage Lender Programs and Highlights Independent contractor mortgage borrowers can now use their 1099 forms to qualify as additional income, demonstrating their ability to
Maximum Loan Amount: $4,000,000 Cash Out: $2,000,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24 months to qualify for home loans with flexible terms. Available for purchases, refinances, and cash-out options, this program accommodates credit scores as low as 600, including previous bankruptcies, foreclosures, and short sales.
New Jumbo Guidelines with Loan Amounts to $10,000,000 Most Non-QM lenders require a 620 minimum credit score to qualify for 85% LTV Cash Out for
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of