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What Goal Have You ALMOST Reached? Non-QM Could Help Get You There.

What was your goal for 2021? Reaching your company’s President’s Club or Top Producer award? Maybe setting personal record months in volume? Or even just increasing your paycheck? Are you on track? We know many who are capped at 7% by the GSEs which is limiting their portfolios and potentially putting their goals at risk. One way to get closer to and protect those goals is to use non-QM. There is still time!  

Real estate investors building portfolios using a no income Investor Cash Flow loan, self-employed borrowers who can’t use tax returns to qualify, and those who just miss Prime Jumbo qualifications all need non-QM. Sales of investment properties and luxury primary and second homes are through the roof right now. According to the National Association of Realtors, record setting transactions for homes over $1 million increased 244% in May.  

Call us today and find out HOW to find these non-QM borrowers and HOW to market to them. It could make the difference between adding Top Producer to your signature line……or not. 

Bank Statement

  • Credit scores starting at 600​​​​​​
  • Up to 90% LTV, No MI
  • Loans up to $3 million
  • Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

Non-QM Platinum Jumbo

  • Up to 95% LTV, No MI​​​​​​
  • Loans up to $3 million
  • Four years out of foreclosure, short sale, bankruptcy or deed-in-lieu
  • One year tax return program available

No Income Investor Cash Flow

  • Credit scores starting at 600
  • Up to 80% LTV
  • Loans up to $1.5 million
  • Qualifies using property cash flow – minimum DSCR 1.0
  • No DSCR with minimum 700 FICO and maximum 75% LTV
  • Non-warrantable condos allowed

Foreign National

  • Up to 70% LTV
  • No U.S. or foreign credit needed
  • DSCR coverage 1:1
  • No income and no employment listed on 1003