Non-QM 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 $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

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.

Learn More

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.

Learn More

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)

Learn More

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.

Learn More

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.

Learn More

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.

Learn More