Product Gallery

Not every borrower or deal fits into a neat credit box or conventional program. Our Non-QM programs are designed to meet the needs of self-employed, investor, and asset-rich borrowers.

We offer competitive rates, flexible guidelines, and the white glove service brokers have come to expect from Impac.

Bank Statement

Bank Statement

For Self-Employed Borrowers

  • Qualify with 12 months of statements regardless of LTV or loan amount
  • No tax returns | No 4506C
  • Loan amounts up to $3M
  • Up to 90% LTV | Minimum FICO 660
  • 40 year fixed I/O option available
  • Available for primary residence, second homes & investment properties
Investor

Investor

For Borrowers with Positive Cash Flow Properties

  • Qualify based on cash flow of the subject property
  • No DTI calculated
  • No income | No employment verification | No tax returns | No 4506C
  • Up to 80% LTV | Minimum FICO 660
  • Loan amounts up to $2M
  • Borrower can own unlimited financed properties
Agency Plus

Agency Plus

For Borrowers Falling Just Outside Agency Guidelines

  • Jumbo alternative with I/O option
  • Loan amounts up to $3M
  • 1 year income verification option available
  • Up to 90% LTV | Minimum FICO 660
  • First time home buyers allowed with no LTV restrictions
Asset Qualification

Asset Qualification

For Borrowers with High Cash Liquidity

  • Qualify based on verified liquid assets
  • No employment | No income | No DTI | No 4506C
  • Loan amounts up to $3M
  • Cash-out refi up to $3M
  • Up to 85% LTV | Minimum FICO 660
More Products
Jumbo

Jumbo

  • Loan amounts up to $3M (purchase or rate/term refi)
  • Available on Primary Residence, Second Homes, and Investment Properties
  • Cash-out option available
  • FICO as low as 680
  • Gift funds allowed
Conventional

Conventional

  • Fannie Mae High Balance & Freddie Mac Super-Conforming loan amounts available
  • FICO as low as 620
  • Cash-out refi available with Primary Residence and Second Home
  • Property Types: 1 unit attached or detached SFR, PUD, condo, or 2-4 unit
  • Multiple fixed terms: 15, 20, & 30 year
VA Loans

VA Loans

  • Purchase, Cash-Out, & IRRRL (Streamline)
  • Minimum 580 FICO for purchases and cash-out refi
  • Minimum 580 FICO for IRRRL
  • Loan amounts to $3M
  • VA IRRRLs and Purchase up to 100% LTV (Use AVM or appraisal)
  • Subordinate financing allowed