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

For Self-Employed Borrowers

  • Qualify with 12 months bank statements
  • No tax returns
  • Loan amounts up to $3.0MM
  • Cash out up to $2.5MM
  • Up to 90% LTV
Non-QM Investor Program Logo

For Borrowers with Positive Cash Flow Properties

  • Qualify with subject property cash flow
  • No tax returns | No DTI calculated
  • Loan amounts up to $2.5MM
  • Cash out up to $2.0MM
  • Up to 80% LTV
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Non-QM Asset Qualification Program Logo

For Borrowers with High Cash Liquidity

  • Qualify based on verified liquid assets
  • No employment | No income | No DTI
  • Loan amounts up to $3.0MM
  • Cash out up to $2.5MM
  • Up to 90% LTV
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Non-QM Agency Plus Program Logo

For Borrowers Falling Just Outside Agency Guidelines

  • Jumbo alternative with I/O options
  • Shorter waiting periods for derogatory credit events (e.g. BK and foreclosure)
  • Loan amounts up to $3.0MM
  • Cash out up to $2.5MM
  • Up to 90% LTV

FHA, VA, and Conventional Products

FHA
  • Purchase & rate/term refis with 580 minimum credit score
  • Maximum Debt-to-income ratio determined by AUS
  • Escrow holdbacks on HUD REOs (limited/buyer-funded)
  • Borrower with 1 credit score eligible
VA
  • Loan amounts to $1.5MM
  • Purchase, Cash-out, & IRRRL
  • VA IRRRLs up to 115% LTV (use AVM or appraisal)
  • VA "Cash-out" refi up to 100% LTV per VA guidelines
Conventional
  • Fannie Mae High balance & Freddie Mac Super-Conforming available up to $726,525
  • Up to 95% LTV with minimum 620 FICO Score
  • Lender-Paid Mortgage Insurance (LPMI) up to 97% LTV