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Non-QM Loan Programs

The best loan programs for the self-employed borrower

No Income Verification

  • No Tax Return Required
  • 30% Down payment
  • Loan Amounts Up to 5 Million

No Ratio Mortgages

  • Loan-to-value ratio as high as 75%
  • Up to 100% of borrower funds from gifts
  • No restrictions on cash-out financing

Bank Statement Program

  • 620 Minimum Credit Score
  • Reduced Mortgage Insurance
  • Not limited to first-time homebuyers

NIVA

  • No Income / No Employment Needed
  • Up to 65 LTV – 680 FICO
  • 1 Month Recent Bank statement

Fannie Mae Mixed Use

  • Borrower is primary owner operator
  • Must occupy property as primary residence
  • Mortgage loans for mixed use properties

Non-Warrantable Condos

  • Less strict guidelines
  • Projects 10-30 units.
  • Non-Agency and our Non-QM program

Investment Properties

  • Down payments as low as 3 percent
  • Home Possible Mortgage Program
  • HomeStyle Renovation Program

DSCR Loan Program

  • Loan Amounts Up To $3M
  • Foreign Nationals Allowed
  • Condotels Eligible

Cross Collateralization

  • Primary and secondary homes
  • Credit score of 680
  • 30-year fixed-rate

Back to Work Program

  • Good credit history
  • Financing solution for the right borrowers
  • FHA loan requirements

Co-Op Purchase Loans

  • Purchase or Refinance at 95% Financing
  • Investment Co-Op & second home Co-Ops
  • 24 years of Co-Op financing experience

Construction Loans

  • Loan-to-value ratio is 90 percent
  • Only interest during the construction period
  • One-time closing

Stated Income

  • Loan Amounts up to $2 million
  • Up to 65% loan-to-value
  • Purchase or refinance

HomeStyle Renovation Loan

  • Available For Up To 80% LTV
  • Own Up To 4 Financed Properties
  • No Minimum Repair Amount Required

Investment Co-Ops

  • Competitive interest rates
  • Reasonable loan terms
  • Fast approval

SBA Loans

  • Purchase, Refinance, Rehab & Construction
  • 100% LTV
  • Financing for small business

Cashflow Program

  • Generate income from investment property
  • Purchase a rental property
  • Refinance proceeds for business use

Asset Utilization Program

  • Increases your loan amount
  • Liquid assets qualify
  • Non-traditional income streams qualify

Church Loan Financing

  • Financing for for any denomination
  • Any size congregation
  • Mortgages from $50K to $500K

No Income Check Mortgage

  • No Tax Returns Required
  • No Pay-Stubs Required
  • No W2’s Required

Mixed Use Mortgage- Primary Residence

  • Increases your loan amount
  • Liquid assets qualify
  • Non-traditional income streams qualify

Mixed Use Mortgage

  • 7/7 ARM balloon options
  • No Income Verification Loan
  • 75% loan-to-value

Business Lines of Credit

  • Increase inventory
  • Purchase necessary business equipment
  • Manage cash flow

No Income Verification for Co-Ops

  • Loans available for up to $2 million
  • 60 percent loan-to-value for jumbo loans
  • No Income verification

1 Year Income Qualification

  • Loans from $100,000 – $3,000,000
  • Foreign Nationals permitted
  • All occupancy types allowed

Land/Farm Loans

  • Unconventional structures
  • Experts in rural financing
  • Competitive pricing and flexible programs

Personal Bank Statement Loans

  • Loans up to $2,500,000
  • Cash-out option up to $1,000,000
  • Minimum credit score of 620

Foreign National Mortgage

  • Qualify full doc OR assets only
  • No work visa required
  • No income documentation required

ITIN Holders

  • No credit score is required
  • No Social Security Number
  • No green card

No Obligation

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