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Luxury Mortgage Corp.®

Our Mortgage Products

We believe your borrowers deserve the Luxury Mortgage experience. Our wide selection of products make it easier for your borrowers to become homeowners and build wealth through real estate investing, and easier for you to grow successfully.

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.

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.

Program Highlights:

  • Loan amounts up to $3MM
  • Max. Cash-Out is $500,000
  • Credit score down to 680
  • DTI up to 43%
  • Interest Only available with 30 year term
  • 7/1 and 10/1 ARM, 15 and 30 FRM 
  • All occupancy types allowed
  • LLCs, Partnerships and Corporations are eligible vesting types
  • Non-Warrantable Condos considered by exception
  • Multiple financed properties allowed
  • First time home buyers allowed
  • Business and Personal Statements allowed
  • Multiple bank statement qualification options

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.

Program Highlights:

  • Loan amounts up to $3MM
  • Max. Cash-Out is $500,000
  • Credit score down to 680
  • No DTI developed or employment verified
  • Qualify based on verified liquid assets
  • Interest Only available with 30 year term
  • 7/1 and 10/1 ARM, 15 and 30 FRM
  • All occupancy types allowed
  • LLCs, Partnerships and Corporations are eligible vesting types
  • Non-Warrantable Condos considered by exception
  • Multiple financed properties allowed
  • First time home buyers allowed

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.

Program Highlights:

  • Loan amounts up to $3MM
  • Max. Cash-Out is $500,000
  • Credit score down to 680
  • No DTI developed or employment verified
  • Minimum DSCR 1.100
  • Interest Only feature available on ARMs and FRMs
  • 7/1, and 10/1 ARM, 15 and 30 FRM
  • LLCs, Partnerships and Corporations are eligible vesting types
  • Non-Warrantable Condos considered by exception
  • Multiple financed properties allowed
  • 12 month history of real estate ownership/management required
  • Business funds may be considered as assets

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.

Program Highlights:

  • Loan amounts up to $3MM
  • Max. Cash-Out is $500,000
  • Credit score down to 680
  • DTI up to 50%
  • Interest Only available with 30 Year term ?
  • 7/1 and 10/1 ARM, 15 and 30 FRM 
  • All occupancy types allowed
  • Partnerships and Corporations are eligible vesting types
  • Non-Warrantable Condos considered by exception
  • Multiple financed properties allowed
  • First time home buyers allowed

1099 Only

Qualify borrowers that receives compensation in the form of commission or independent contractor basis and receive IRS form 1099 at year-end.

Program Highlights:

  • Loan amounts up to $3MM
  • Max. Cash-Out is $500,000
  • Credit score down to 680
  • DTI up to 50%
  • Interest Only available with 30 year term
  • 7/1 and 10/1 ARM, 15 and 30 FRM
  • All occupancy types allowed
  • LLCs, Partnerships and Corporations eligible vesting types
  • Non-Warrantable Condos considered by exception
  • Multiple financed properties allowed
  • First time home buyers allowed
  • Multiple 1099 qualification options

Simple Prime

The Luxury Mortgage answer to Jumbo Lending. Home loans for high value properties through full documentation loans for prime credit applicants.

Jumbo Mortgages

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.

Program Highlights:

  • Loan amounts up to $3MM
  • Max. DTI 38%
  • Minimum credit score 740
  • Non-Warrantable Condos and Coops considered
  • All occupancy types allowed
  • 5/1, 7/1, 10/1 ARM, 15, 20 and 30 Year Fixed
  • Up to 6 financed properties allowed
  • Purchase and Rate/Term Refinances Eligible
  • First time home buyers allowed
  • Max LTVs: 70% purchase, 70% rate & term
  • Gift funds allowed on primary residences
  • Industry leading asset distribution calculation using assets as income
  • Multiple income sources allowed