LUXURY MORTGAGE Simple Access® Non-QM
We are non-qm
Helping brokers & lenders navigate NON-QM lending with simple, flexible, and straightforward solutions.
EXPLORE OUR Loan PROGRAMS
Discover our suite of Simple Access® Non-QM and jumbo prime loan programs
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.
Cash Out amount unlimited up to 65% LTV, capped at $500,000 above 65% LTV
Credit scores as low as 620
Max. LTVs 90% Purchase, 85% R/T Refi and 75% C/O Refi
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 considered to any guideline with compensating factors
Eligibility is based on liquid assets in a savings or securities account. No need for tax returns or traditional income documentation. No DTI is calculated. Allows homebuyers to use liquid assets for qualification without liquidating them up for a home purchase.
A solution for scenarios that don’t quite fit conventional underwriting guidelines. Qualification focuses on the borrower’s ability to repay based on common sense underwriting. Perfect credit is not required.
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.
Luxury Mortgage, based in Stamford, CT with a West Coast Operations center in Irvine, CA, is a recognized wholesale leader in the NON-QM and Jumbo mortgage market. We strive to provide you and your clients with the most competitive products and services in the industry. With over 25 years of experience, we have the ability to handle even the most complex scenarios and provide innovative solutions to you and your borrowers. We offer the industry’s most aggressive array of NON-QM programs as well as a Jumbo program with qualification options not offered by any of our competitors. We are committed to being the market leaders in every segment that we serve, no exceptions. We will work tirelessly to exceed your expectations and earn your repeat business.