Non-QM & Simple Prime 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
Max LTVs: 85% Purchase, 80% R/T Refi and 75% 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

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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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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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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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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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SIMPLEMAE

Excellent option for second home and investment scenarios that fall within agency guidelines. Improved pricing for vacation and investment property purchases and refinances. Full doc loans underwritten to DU or LP Findings.

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jumbo

SIMPLE PRIME

We are in the process of re-tooling our simple mortgage programs. Check back with us in the coming months to learn more about our suite of wholesale simple mortgage lending solutions. Thank you for choosing Luxury Mortgage.

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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
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ABOUT US

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

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BECOME A PARTNER

Sign up to become an approved broker and expand your business with our products.

quick quote

GET A QUICK QUOTE

Price out a Non-QM or jumbo loan scenario with our Quick Quote pricing tool.

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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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