Non-QM Loan Programs
Our specialty is the self-employed borrower; we have loan programs to fit your financial needs.
No Income Verification
• No Tax Return Required
• 30% Down payment
• Loan Amounts Up to 5 Million
Bank Statement Program
• No P&L Statement is required
• Separate Personal and Business Accounts
• Qualify with Business Bank Statements
No Ratio Mortgages
• Loan-to-value ratio as high as 75%
• Up to 100% of borrower funds from gifts
• No restrictions on cash-out financing
Non-Warrantable Condos
• Less strict guidelines
• Projects 10-30 units.
• Non-Agency and our Non-QM program
Investment Properties
• Loan amounts from $100,000 to $2,000,000
• 85% LTV
• Unlimited financed properties
Home Style Renovation Program
• Available For Up To 80% LTV
• Own Up To 4 Financed Properties
• No Minimum Repair Amount Required
Back to Work Program
• Good credit history
• Financing solution for the right borrowers
• FHA loan requirements
Co-Op Purchase Loans
• Purchase or Refinance at 95% Financing
• Investment andSecond Home Co-Ops
• 24 years of Coop Financing
Stated Income
• Loan Amounts up to $2 million
• Up to 65% loan-to-value
• Purchase or refinance
Foreign National Mortgage
• Qualify full doc OR assets only
• No work visa required
• No income documentation required
Mixed Use Mortgage
• 7/7 ARM balloon options
• No Income Verification Loan
• 75% loan-to-value
P&L Only Loan Program
• P&L statement
• Personal bank statement
• Business bank statement
Fannie Mae Mixed Use Mortgage
• Borrower is primary owner operator
• Must occupy property as primary residence
• Mortgage loans for mixed use properties
Investment Co-Ops
• Competitive interest rates
• Reasonable loan terms
• Fast approval
SBA Loans
• Purchase, Refinance, Rehab & Construction
• 100% LTV
• Financing for small business
NIVA
• No Income / No Employment Needed
• Up to 65 LTV – 680 FICO
• 1 Month Recent Bank statement
CashFlow Program
• Generate income from investment propertyv
• Purchase a rental property
• Refinance proceeds for business use
Asset Utilization Loan Program
• Increases your loan amount
• Liquid assets qualify
• Non-traditional income streams qualify
Church Loan Financing
• Financing for for any denomination
• Any size congregation
• Mortgages from $50K to $500K
No Income Check Mortgage
• No Tax Returns Required
• No Pay-Stubs Required
• No W2’s Required
Mixed-Use Property Financing for Primary Residence
• FHA financing for a mixed-use property
• Combined office/living space
• Commercial finance with a residential loan
Business Lines of Credit
• Increase inventory
• Purchase necessary business equipment
• Manage cash flow
Land/ Farm Loans
• Unconventional structures
• Experts in rural financing
• Competitive pricing and flexible programs
No Income Verification For Coops
• Loans available for up to $2 million
• 60 percent loan-to-value for jumbo loans
• No Income verification
Jumbo Construction Loans
• Loan-to-value ratio is 90 percent
• Only interest during the construction period
• One-time closing
Qualify with 1 Year Income
• Loans from $100,000 – $3,000,000
• Foreign Nationals permitted
• All occupancy types allowed
Personal Bank Statement Loans
• Loans up to $2,500,000
• Cash-out option up to $1,000,000
• Minimum credit score of 620
ITIN Holders
• No credit score is required
• No Social Security Number
• No green card
Streamline Refinance – No Doc
• Close in less than 20 DAYS!
• Loans to $3,000,000
• Max LTV: 80% with 700 FICO
Fix & Flip: Rehab Property Loans
• Loans from $50,000 to $3M
• 12 or 18-month loan terms
• Credit score of 620
DSCR Loan Program
• Loan Amounts Up To $3M
• Foreign Nationals Allowed
• Condotels Eligible
Cross Collateralization
• Commercial and Income Property
• Loan amounts to $25M
• Interest-only options
Investment Jumbo Coop Loan
• Option for urban investors
• Loan Amounts up to $3M
• Credit Score 600
Investor Cash Flow
• Loan Amounts Up To $3M
• 30-year fixed
• Interest-only
1099 Only Mortgage Program
• Loan Amounts Up To $4M
• 85% LTV
• Cash Out Available
Dscr Mortgage
• Foreign Nationals
• Condos/Condotels
• Airbnb Included
Mortgage Calculator
Mortgage Calculator
As you evaluate different mortgage options, it’s important to understand what your monthly payment will be and how much interest you could pay over time. This calculator can help you choose the mortgage that is right for you.
