These loans serve borrowers who have been unable to qualify for government-backed loans such as FHA and Conventional financing but may otherwise have income that may not appear on their Tax Returns but can meet the down payment requirements. 

Have a scenario and need advice, or a loan that’s outside the box, contact our loan officers.

Mortgage Solutions for Non-Qm Loans, Programs Include:

• DSCR

• Full Doc / Alt Doc

• ITIN

• Bank Statement

• Fixed, ARM, and Interest Only

• High LTVs and Lower FICOs

• Business Owners, Investors

• Owner-Occupied, 2nd homes, and Investment Properties

• Up to 90% LTV

• Credit scores down to 500

• Loans up to $5 million

• DTI up to 55%

• VOE (Verification of Employment) Only Programs
  - 1 month, 12 Months, or 24 Months Bank Statement program.

• Business Purpose Loans/ Stated Income

  - Private Money Financing
  - Fix n Flip Loans

• ITIN

   - Ok with Foreclosure, Short Sale, Bankruptcy, or Deed-in-Lieu (*)

We Offer:

• SFRs, Townhomes, Condos, 2-4 units, Mixed-Use

• Non-Warrantable Condos

* Mixed-Use Properties

* Small Commercial

If you or any of your family, friends, or acquaintances might need good honest advice, I would appreciate you mentioning my name.