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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Use our online pricing tool to get a quote for one of your customers. Don’t hesitate to reach out to a local Account Executive.

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.

EXPLORE OUR Loan PROGRAMS

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

SIMPLE ACCESS®

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 $4MM
Unlimited cash-out up to 75% LTV, max $500,000 cash-out above 75% LTV
Credit scores as low as 620
Max LTVs: 90% Purchase, 85% R/T Refi and 80% C/O Refi
5/6, 7/6 and 10/6 ARM and 15, 30 and 40 Year fixed rates (except Investor Cash Flow program)
LLC, Partnership and Corporate title vesting are eligible
Exceptions may be considered to most guidelines with compensating factors

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.

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.

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.

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.

Foreign Nationals

Home loan program designed for foreign national borrowers utilizing either liquid assets or rental income on subject investment properties for qualification. Must be able to legally enter the US, no defined length of stay required.

SIMPLE PRIME

We provide flexible financing solutions and large loan amounts to accommodate a wide variety of jumbo purchase and refinance scenarios. Attractive terms for your most discerning clients.

Loan amounts up to $2MM
DTI up to 43%
Credit scores down to 700
All occupancy types allowed
5/6, 7/6, 10/6 ARM, 15, 20 and 30 Year Fixed
Non-Warrantable Condos may be considered
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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