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We are non-qm

Helping brokers & lenders navigate NON-QM lending with simple, flexible, and straightforward solutions.


Discover our suite of Simple Access® Non-QM 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.

  • Loan amounts up to $3MM
  • Credit scores as low as 660
  • 85% LTV to $1.5MM 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 (except Investor Cash Flow program)
  • Allow use of the IO payment to calculate the DSCR
  • Bank statement loans allowed with as little as a 10% expense factor
  • Up to 55 DTI on Full Doc loan
  • Up to $1MM in cash out proceeds on cash out refinances
  • 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.

Bank Statement Loans

Qualifying income is based on an 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.

1099 Only

Qualify borrowers that receive compensation in the form of commission or are paid as independent contractors and receive IRS form 1099 at year-end.

Full Doc

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.

Stamford Connecticut

About Us

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.

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