Non–QM Loans

Our Debt Service Coverage Ratio loan allows your borrower to present cash flow from rental property income to qualify vs. traditional proof of income. No Ratio option available, first-time homebuyers OK.

• FICOs as low as 620 (Max 75% LTV)
• LTVs up to 80% (Min. FICO 640)
• Max Loan Amount $3MM
• Cash-out may be used as reserves
• First-Time Homebuyer & Investor OK

Working with clients self-employed?
Qualify them using just 12 months of bank statements, tax returns not required.

• FICOs as low as 620 (Max 70% LTV)
• LTVs up to 90% (Min. FICO 680 FICO)
• Max Loan Amount $3.5MM
• 2-1 temporary buydown available

Ideal for those who do not qualify for a traditional mortgage. Available for wage earners and self-employed borrowers with income to support a conventional loan but are unable to qualify. FICOs as low as 660, LTVs up to 90%, Max Loan Amount $3.5MM

Offer your borrowers the option to tap into the equity of their home, enabling them to cover significant expenses. FICOs as low as 680, Loan Amounts up to $750K, CLTVs up to 90% - Restrictions apply

Ideal for retired individuals, investors, and entrepreneurs. Use Liquid Assets to Qualify your borrower for a home loan such as checking, saving, stocks, IRA, 401K, and more. FICOs as low as 700, LTVs up to 80%, Max Loan Amount $3MM

No SSN#? No problem! Designed for those who have both an individual tax identification number (ITIN) and an established credit history.
FICOs as low as 680, LTVs up to 85%, Max Loan Amount $1.3MM