Simple Access® Non-QM & Jumbo

We are non-qm

Helping brokers navigate NON-QM & Jumbo Lending with simple, flexible, and straightforward solutions.

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Want to offer our Non-QM and jumbo products to your borrowers? Sign-up up to become an approved broker partner.

Luxury Mortgage Corp Wholesale Logo

About Luxury Mortgage

Learn about our team, company history, and our experience working with brokers in the NON-QM and jumbo marketplace.


Discover our suite of Simple Access® Non-QM wholesale loan programs


It shouldn’t be complicated to finance a home! We saw a need for common sense solutions for self-employed borrowers and those with non-traditional income. Our Simple Access products are just that…simple, flexible, and straightforward.

  • Loan amounts up to $3MM
  • Credit scores as low as 620
  • 90% LTV to $1MM on primary residence purchase transactions 
  • 80% LTV on Investor Cash Flow purchase transactions
  • 5/6, 7/6 and 10/6 ARM and 15, 30 and 40 Year fixed rates
  • Allow use of the IO payment to calculate the DSCR
  • Bank statement loans allowed with as little as a 10% expense factor
  • Up to 55% DTI on Full Doc loan
  • Unlimited cash in hand with certain restrictions
  • Exceptions may be considered to most guidelines with compensating factors

1099 Only

Qualify borrowers that receive compensation in the form of commission or are paid as independent contractors and receive IRS form 1099 at year-end.

Asset Qualifier

Eligibility is based on liquid assets in a savings or securities account. No need for tax returns or traditional income documentation. No DTI is calculated. Allows homebuyers to use liquid assets for qualification without liquidating them up for a home purchase.

Bank Statement Loans

Qualifying income is based on an analysis of bank deposits rather than traditional income documentation. No tax returns required. Business or personal bank statements are permitted. Choose from several options for calculating qualifying income.

Foreign National

Loans for foreign national borrowers utilizing either liquid assets or rental income on subject investment properties for qualification.

Full Doc

A solution for scenarios that don’t quite fit conventional underwriting guidelines. Qualification focuses on the borrower’s ability to repay based on common sense underwriting. Perfect credit is not required.

Investor Cash Flow

Created specifically for investors, qualification is based on the income to be generated by the subject property. It’s no longer necessary to have large amounts of cash on hand to build a real estate portfolio.
Stamford Connecticut

About Us

Luxury Mortgage, based in Stamford, CT with a West Coast Operations center in Irvine, CA, is a recognized wholesale leader in the NON-QM and Jumbo mortgage markets. We strive to provide you and your clients with the most competitive products and services in the industry. With over 25 years of experience, we have the ability to handle even the most complex scenarios and provide innovative solutions to you and your borrowers. We offer the industry’s most aggressive array of NON-QM programs as well as a Jumbo program with qualification options not offered by any of our competitors. We are committed to being the market leaders in every segment that we serve, no exceptions. We will work tirelessly to exceed your expectations and earn your repeat business.

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