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Non-Qualified Mortgage Lenders

Top Level Non-QM Lenders – Prime | Non-Prime | Portfolio

“Non-QM Tips & Tricks” on Bank statements, 1099 Only and K-1 Only. Tax Returns, Transcripts – Not Required. Top Rated Non-QM lender in the United States.

Available Bank Statement Income Doc Options

* Bank Statement Programs: 1- Month, 2- Months, 3- Months, 6- Months, 12- Months, and 24- Months

* 12 Months Personal Bank Statement Program – 100% deposit utilization. Multiple bank accounts from both personal and business accounts with credit scores down to 620 to 80% LTV and 660 to 90% LTV. 

Qualifying Income is the Lower of the Following Two options

* Borrower Prepared P&L Statement should be supported with business bank statements. Can “gross up” P&L 115%.

* Expense Factor 15% to 85% depending on your realistic numbers based on business scope including industry, service/product/manufacturing, B2B, B2C, etc. CPA, Tax Professional or Business Associate Prepared P&L

Additional Bank Statement Income Deposits

W2’s wage earner full doc income, 1099 sole proprietor business, rental income, distribution payment (unseasoned OK), asset utilization, social security, child support, alimony, Airbnb, side business. Transfers from other accounts must be sourced and not seasoned.

True Debt-Service-Coverage-Ratio | DSCR

* No Ratio – 80% LTV. ADU Income OK. 620 Credit Score. Gift Funds

* No employment or REO conditions, 75% LTV to $$4,000,000, 70% to $4,500,000 and /65% LTV to $5,000,000 maximum loan amount

Asset Depletion Options Also Available

Eligible Reserves:

* Cash Out can be used for reserve requirements

* Bitcoin is now accepted as liquid assets for qualifying purposes, down payment, closing costs – OK.

* First Time investors Available – Jumbo Loans to 90% LTV

Available Terms:

30 and 40-Year Fixed and Interest Only Options on Fixed Rate

Available in the Following States:

Non-QM Mortgage Consumer-Direct Lender Network Covers All 50 States

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Bank Statement Loan Service

Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting an expense ratio or factor percentage, our lenders pre-underwrite and

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Investor DSCR Mortgage Program

The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance

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Exception-Based Non-Prime Loan

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

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Non-QM | Non-Prime Loan Programs

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

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Bank Statements Jumbo Mortgage

3 Months Business Bank Statements or Personal Bank Statements Our 3 Month Program is the alternative to 6-month, 12-month and 24-month programs. We also have 1-month and 2-month

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Asset Qualifier

Portfolio Mortgage Asset-based Income Documentation | Asset Based Lending * Debt-to-Income DTI (expense ratio) up to 55% Now you can use your 1099(s) for to

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Non-QM Lender – California

Non-QM Mortgage Broker Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable pricing, reasonable

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Non-QM – Stated Expense Ratio

Non-QM Mortgage Broker | Self-Employed Home Loans Alternative Bank Statement Income Bank statement lenders apply varying underwriting guidelines for expense percentage ratios, also referred to

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Non-QM Portfolio Lender Loan Programs

Non-Qualified Mortgage Lender Serving California Business Owners Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines

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Debt Service Coverage Ratio Program

Business Purpose Investor Loan Programs Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including

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Non-QM Jumbo Lender

Non-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to expand our products and guidelines Our team of Non-QM Mortgage

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Super Jumbo Investor – 30 million

Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Bank

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Bank Statement Loans – 2023

Bank Statements for all Self-Employed Borrowers ** November 2024 Update * Purchase, Rate/Term, and Cash Out to $12,000,000 Key Benefits Bank Statement Mortgages: * Personal

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Non-QM Lenders and Loans

Bank Statement Program – 2024 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on

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12 Month Bridge Loan

12 Month Bridge Program Lending Partner with the Flexibility to Deliver Results 12 Month Bridge Loan allows Borrowers Access to the Equity in their Property

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90% LTV – ITIN Investors

Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more

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Super Jumbo Investor Loan

Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property

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Non-QM Lender Niches

Lite Doc Mortgage Loan Lite Doc refers to a loan program necessitating 1-year full documentation of income and a 2-year work history. This requirement is

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DSCR .75% Jumbo Mortgage

DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties –

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Stand-Alone Second Mortgage

Second Mortgage Bank Statement Loan Loan Purpose: Purpose: Second Mortgage/ Cash Out/ Debt Consolidation (cash out can be used to meet reserve requirement) Alternative Self-Employed

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Non-Prime Jumbo 95% LTV

Super Jumbo Non-Prime Alt Doc – $10,000,000 Documentation: Bank Statements from 600+ FICO to 90% LTV Full Income Documentation to 90% LTV | Tax Returns,

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One Year Tax Returns to 90% LTV

Reduced Doc | 12 Months Reduced Income Documentation and Reduced Employment Verification Documentation We can help new business owners or self-employed borrowers who experienced a

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Private Money 70% LTV

Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than

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Investor Loan – No Doc

Nationwide Private Mortgage Lender This is a Private Money lender that has funded thousands of loans nationwide, and makes all decisions in-house with over $200,000,000

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Second Mortgage $350,000

Jumbo Second Mortgage Alt Doc – Form 4506-T Not Required 80% LTV 2nd mortgage to $350,000 Alt-Doc for Self-Employed Borrowers and Full Doc for everyone.

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Vesting Title in Legal Entities

Business Purpose Mortgages and Vesting Options This Loan Program is for Corporations, LLC’s, Partnerships This gives the “borrower” the option to vest the title of

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