Non-QM Loan Programs

For Self-Employed Borrowers. No tax returns required.

• Loans up to $4 million with a minimum of $150,000
• Purchase and cash-out or rate-term refinance
• Owner-occupied, second homes, and investment properties

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For Rental Property Investors

• Loans up to $3 million with a minimum of $100,000
• Purchase and cash-out or rate-term refinance
• Short-term rentals allowed (AirDNA reports accepted)

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A HELOC for Self-Employed Borrowers

• Loan amounts up to $750,000
• First lien HELOC allowed
• Owner-occupied, second homes, and investment properties

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A Second Mortgage for Self-Employed and Real Estate Investors

• Loans up to $750,000 with a minimum of $75,000
• Cash-out or rate-term refinance
• Owner-occupied, second homes, and investment properties

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For interested party contributions to lower borrower cost for the first 2 years

• Purchase transactions only
• Eligible for primary residences
• 30 year fixed rate only

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For 1099 earners. No tax returns required.

• Loans up to $3 million with a minimum of $150,000
• Purchase and cash-out or rate-term refinance
• Owner-occupied, second homes, and investment properties

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For Self-Employed borrowers with Profit and Loss statements.

• Loans up to $3 million with a minimum of $150,000
• Purchase and cash-out or rate-term refinance
• Owner-occupied, second homes, and investment properties

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For “Just Missed” Jumbo Borrowers

• Loans up to $4 million with a minimum of $150,000
• Purchase and cash-out or rate-term refinance
• Owner-occupied, second homes, and investment properties

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For borrowers with a credit event

• Loans up to $2.5 million with a minimum of $125,000
• Purchase and cash-out or rate-term refinance
• Owner-occupied, second homes, and investment properties

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For borrowers with assets. No employment required.

• Loans up to $3 million with a minimum of $250,000
• Purchase and cash-out or rate-term refinance
• Primary residence only

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For Borrowers who do not have a Social Security number

• Loans up to $2.5 million with a minimum of $125,000
• Purchase and cash-out or rate-term refinance
• Primary residence only

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For Foreign Nationals Purchasing in US

• Loans up to $1.5 million, with a minimum of $100,000
• Purchase and cash-out or rate-term refinance
• Investment property only

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Conventional loans for W2 employed borrowers

• Loans up to conforming limits (high balance case by case)
• Competitive pricing with quick turn times
• Owner-occupied, second homes, and investment properties

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