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Luxury Mortgage Corp.®

Luxury Mortgage Corp.®

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 TM A Non-QM portfolio loan Program

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 our 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 $4 million
  • Credit score down to 580
  • DTI up to 55%
  • Interest Only available with 30 or 40-year term
  • Business and Personal Statements allowed for qualification
  • 5/1, 7/1, 10/1 ARM, 15, 30, and 40 FRM (40 year IO only)
  • Borrow up to 90% of the property value
  • Fixed and Adjustable rate options
  • All occupancy types allowed
  • Partnership and Corporations eligible vesting types
  • Non-Warrantable Condos considered at a max 75% LTV

Asset Qualifier

Eligibility is based on liquid assets in a securities account or retirement 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 $4 million
  • Credit score down to 580
  • No income documentation required or DTI developed
  • Interest Only available with 30 or 40-year term
  • 5/1, 7/1, 10/1 ARM, 15, 30 and 40 FRM (40 year IO only)
  • Foreign National accepted
  • Borrow up to 90% of the property value
  • Fixed and Adjustable rate options
  • All occupancy types allowed
  • Partnership and Corporations eligible vesting types

Investor Cash Flow

Created specifically for real estate 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 $3 million

  • Credit score down to 580

  • No DTI developed or employment verified

  • Interest Only available up to 80% LTV

  • 5/1, 7/1, 10/1 ARM, 15 and 30 FRM

  • Foreign National accepted

  • Borrow up to 85% of the property value

  • Interest Only available up to 80% LTV

  • No income or employment information required

  • Fixed and Adjustable rate options

  • All occupancy types allowed

  • Partnership and Corporations eligible vesting types

  • Non-Warrantable Condos considered at a max 75% LTV

Full Doc

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. Perfect credit is not required.

Program Highlights:

  • Loan amounts up to $4 million
  • DTI up to 55%
  • Interest Only available with 30 or 40-year term
  • 5/1, 7/1, 10/1 ARM, 15, 30 and 40 FRM (40 year IO only)
  • Fixed and Adjustable rate options
  • All occupancy types allowed
  • Partnership and Corporations eligible vesting types
  • Non-Warrantable Condos considered at a max 75% LTV

Simple Prime

The Luxury Mortgage answer to Jumbo Lending. Home loans for high value properties through full documentation loans for prime credit applicants. Loan amounts up to $5 million.

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:

  • Only one appraisal required up to $1.5 million in most markets
  • Multiple income sources allowed
  • All occupancy types permitted
  • Multiple financed properties ok
  • No Mortgage Insurance Required
  • Very competitive formula for using assets as income

Investor Cash Flow

We provide flexible financing solutions for large loan amounts to clients looking to build wealth in residential real estate. How is this done? It’s simple. Clients can access capital through their properties' cash flow.

Program Highlights:

  • Loan amounts up to $1.5MM
  • Credit scores down to 680
  • No DTI developed or employment verified
  • 5/1, 7/1, and 10/1 ARM, 15 and 30 FRM
  • Borrow up to 70% of the property value
  • Fixed and Adjustable rate options
  • Multiple financed properties allowed
  • Non-Warrantable Condos and Coops considered
  • Gift funds allowed
  • LLC eligible vesting types

Simple Prime PLUS

The answer for those borrowers that just missed a Prime credit Jumbo loan.

Simple Prime PLUS

Designed for a borrower who would normally fit into an agency or prime credit jumbo box but for some feature of the loan does not meet guidelines, therefore requiring expanded guidelines. 

Program Highlights:

  • Loan amounts up to $2.5 million
  • Credit scores down to 665
  • DTI up to 50%
  • Interest Only available with 30 or 40-year term
  • 5/1, 7/1, 10/1 ARM, 15, 30, and 40 FRM (40 year IO only)
  • All occupancy types allowed
  • Multiple financed properties allowed
  • Reduced seasoning on major credit events