Non-QM Programs

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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 $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 (limitations apply)
  • 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
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investor cash flow

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.
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bank statement

BANK STATEMENT

Qualify based on 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.
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1099 only

1099 ONLY

Qualify borrowers who receive their compensation in the form of commission or independent contractor basis and receive IRS form 1099 at year-end. Minimum 1 year self-employment (with prior related experience)
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full doc

FULL DOCUMENTATION

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

ASSET QUALIFIER

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

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.

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investor cash flow

Low-to-Moderate Income (LMI)

Luxury Mortgage Corp.® is offering a reduction in interest rates by 25 basis points for borrowers in Low-to-Moderate Income (“LMI”) communities

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investor cash flow

ITIN

A comprehensive program with all the flexibility and advantage of Non-QM products available to borrowers.

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investor cash flow

Prime Non-QM

Designed to offer our brokers exceptional pricing for their most qualified borrowers.

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full doc

Graduate Program

Mortgage solution for borrowers who recently completed post graduate degrees who are employed in specialized professions. Designed for applicants who are not eligible for agency and prime credit jumbo loans.

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about

ABOUT US

Learn more about our company and working with with our Wholesale Lending Team.

broker

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resources

RESOURCES & DOCUMENTS

Dive into the details on our programs and resource in our form and program library.

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CORPORATE

Luxury Mortgage Corp.®
Four Landmark Square
Suite 300
Stamford, CT 06901
(888) 458-6267

WEST COAST

Luxury Mortgage Corp.®
18100 Von Karman Ave
Suite 350
Irvine, CA 92612
(949) 516-0710

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