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Non-QM Loans

Every borrower has a story and we listen to each one. We have an advisory approach taking mortgage needs and matching them to the right loan product. Government lending requirements are strict and not everyone fits those guidelines. That is why we offer portfolio Non-QM loan products. Take a look at our offerings and see which one best suits your story.

Lite Doc- Owner Occupied

  • Self-employed: 12-month borrower-prepared P&L
  •  Salaried: Quontic VOE with current income ONLY
  •  No tax returns or W2s required. Not a bank statement program
  •  Up to 80% LTV; up to 50% DTI1
  •  100% Gifts allowed
  •  1-4 Units, condos, coops. Includes second homes
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Asset Utilization

  • Use current post-closing assets to qualify income
  •  No statement of employment required
  •  Loan amounts up to $3,000,000
  •  Up to 75% LTV; up to 50% DTI1
  •  1-4 Units, condos, coops. Includes second homes
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Lite Doc - Investor

  • Self-employed: 12-month borrower-prepared P&L
  •  Salaried: Quontic VOE with current income ONLY
  •  No tax returns or W2s required. Not a bank statement program
  •  Subject property doesn’t need positive cash flow
  •  Up to 75% LTV; up to 50% DTI1
  •  100% Gifts allowed
  •  1-4 Units, condos
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Asset Utilization- Investor 

  • Use current post-closing assets to qualify income
  •  No statement of employment required
  •  Subject property doesn’t need positive cash flow
  •  Loan amounts up to $3,000,000
  •  Up to 75% LTV; up to 50% DTI1
  •  1-4 Units, condos
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DSCR (No Ratio)

  • Qualify using subject property income ONLY
  •  Minimum 1.00x DSCR: up to 75% LTV
  •  No DTI1 or global calculated
  •  No tax returns or W2s required. (Not a bank statement program)
  •  No statement of employment or income required
  •  100% Gifts allowed
  •  1-4 Units & condos
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Foreign National

  • Self-Employed: Letter from CPA/Accountant or Auditor stating last 2 years’ and YTD Income.
  •  Salaried: Letter from Employer stating current annual compensation.
  •  DSCR option available (no statement of income or employment required)
  •  No credit or reference letters required
  •  Up to 70% LTV; up to 50% DTI1
  •  100% Gifts allowed
  •  1-4 Units, condos
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