Non-QM Mortgage
Non-QM (non-conforming) mortgages offer greater underwriting flexibility for income type and history, FICO, DTI, credit event, or unique property types
Conventional "Full Doc" [more info]
- Traditional full doc (tax returns, W2, 1099) income qualifying
- Flexible underwriting for credit, income type, property type, and loan options
- Primary, Second Home, Investment Properties | 1-4 Units
Jumbo [more info]
- Larger loan sizes: $750,000 - $10M+
- Many ways to qualify including conventional, statement, DSCR, and asset utilization
- Primary, Second Home, Investment Properties | 1-4 Unit
DSCR / Rental Income [more info]
- Use documented or appraised property income to qualify
- No tax returns or traditional sources of income needed
- Investment Properties only | 1-4 Unit
Bank Statement [more info]
- Use gross deposits to personal or business bank accounts to income qualify
- No tax returns or traditional sources of income needed
- Primary, Second Home, Investment Properties | 1-4 Unit
Asset Utilization [more info]
- Use current liquid and semi-liquid assets to “income qualify"
- No tax returns or traditional sources of income needed
- Primary, Second Home, Investment Properties | 1-4 Unit
Alternative Income [more info]
- Use 1099s, Verification of Income, P&L, and other sources to qualify
- No tax returns or traditional sources of income needed
- Primary, Second Home, Investment Properties | 1-4 Unit
Work Visa, Foreign National, ITIN, Permanent / Non-Permanent Resident Aliens [more info]
- Permanent and Non-Permanent (work visa) residents are able to qualify for mortgages similar to US citizens
- Foreign National & ITIN can qualify using US credit, non-US credit and no credit mortgage programs
- Loan amounts up to $4M+ | 1-4 Unit