Our major objective is to supply a variety of mortgage applications that cater to the varied wants of debtors at the moment. We’re excited to current our in depth number of non-qualified mortgage (non-QM) options designed to fulfill the distinctive necessities of varied shopper profiles.

Stand Alone 2nd Lien

-Ideally suited for owners who wish to entry their dwelling fairness whereas sustaining their present favorable rate of interest.

-As much as 90% Mixed Mortgage-to-Worth (CLTV) ratio, with a minimal FICO rating of 680.

-Versatile mortgage durations obtainable: 10, 15, and 30 years fastened.

-Each full documentation and various documentation pathways can be found.

-Relevant for Major Residences, Second Houses, and Investments.

Overseas Nationwide

– Tailor-made particularly for non-residents in search of property possession alternatives within the US.

– Mortgage quantities starting from $150,000 to $2,000,000.

– Choice to offer both enterprise or private financial institution statements.

– Select between a pretty 30-year fastened charge or a 5/6 Adjustable Fee Mortgage (ARM) with a 10-year Curiosity-only interval.

Financial institution Assertion Mortgage

– A superb various for self-employed people to reveal their enterprise’s monetary well being.

– Loans obtainable as much as $3,000,000.

– Versatile possession necessities, with as little as 50% possession for enterprise financial institution statements.

ITIN Mortgage Choice

– Particularly designed for self-employed people with Particular person Taxpayer Identification Numbers (ITINs).

– Verification may be carried out utilizing ITINs as a substitute of tax returns.

– Choices obtainable for each Buy and Refinance.

– Favorable credit score rating threshold beginning at 620.

P&L Solely Program

– Excellent for these looking for an alternate earnings verification methodology.

– Depends on a 12-month Revenue and Loss (P&L) assertion.

– Mortgage values of as much as $1,500,000, with a most Mortgage-to-Worth (LTV) ratio of 80%.

DSCR Program

– A hassle-free answer that focuses on property money movement, bypassing conventional earnings necessities.

– Excessive LTV of as much as 80%.

– Beneficiant mortgage values, extending as much as $3,500,000.

– Primarily designed for Funding Properties.

We’d be delighted to work with you and help in delivering the most effective non-QM mortgage options to our purchasers. Contact us for extra non-QM mortgage choices.