Non-QM Product Gallery

We understand that not every borrower fits in a conventional loan program. Whether you have an established investor or a client who can qualify based on assets or bank statements our programs may be able to help obtain the perfect loan.

Non-QM Bank Statement Program Logo
  • Qualify with 12 months personal, business or co-mingled bank statements
  • No tax returns | No 4506T
  • Available for primary residence, second homes & investment properties
  • Loan amounts up to $3MM | Cash-out up to $2MM
Non-QM Investor Program Logo
  • Qualify based on cash flow of the subject property
  • No income | No employment verification | No tax returns | No 4506T
  • Loan amounts up to $1.5MM | Cash out up to $1.5MM
  • Borrower can own unlimited financed properties
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Non-QM Asset Qualification Program Logo
  • Qualify based on verified liquid assets
  • No employment | No income | No DTI | No 4506T
  • Loan amounts up to $3MM | Cash out up to $2MM
  • Short-term rental properties allowed
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Non-QM Agency Plus Program Logo
  • Jumbo alternative with I/O option
  • Loan amounts up to $3MM
  • 1 year income verification option available
  • LTV up to 85% | Min. FICO 660
  • First time home buyers allowed with no LTV restrictions

GOVERNMENT & CONVENTIONAL PRODUCTS

Conventional
  • Fannie Mae High Balance & Freddie Mac Super-Conforming loan amounts available
  • Cash-out refinance 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
  • Purchase, Cash-Out, & IRRRL (Streamline)
  • Minimum 640 FICO for purchases and cash-out refinances
  • Minimum 680 FICO for IRRRL
  • Loan amounts to $1.5MM
  • VA IRRRLs up to 100% LTV (Use AVM or appraisal)
  • VA Cash-Out Refi up to 90% LTV per VA guidelines