Unconventional Mortgages and Loans (800) 718-8906

Unconventional Mortgages and Loans

Customer Service: (800) 718-8906

No Ratio Investor Loan Jumbo

DSRC Investor Loan Program Jumbo and Super Jumbo to $2,500,000 and Super Jumbo to $5,000,000

Purchase & Rate/Term Refinance:

Credit Score | LTV | Loan Amount Matrix Information:

660 Credit Score | 80% LTV to $3,000,000

640 Credit Score | 75% LTV to $3,000,000

Refinance Cash Out: (cash out can be used to meet reserve requirement)

660 Credit Score | 75% LTV to $3,000,000

620 Credit Score | 65% LTV to $3,000,000

Loan Amounts: $5,000,000 – 760 Middle Mortgage Credit Score

Employment Verification: N/A – 4506-C Form Not Required


Property Types:

SFR, 2 Unit, 4 Unit

Occupancy: Non-Owner Occupied. Investment properties

Income Documentation

Employment Verification Documentation – VOE: N/A

4506-T is Not Required

Liquid assets can be used for Additional Income


Credit Scores: 620

Credit Seasoning:

2 Tradelines, one with a 24 Month History and One with 12 Month History or 3 Tradelines, all with a minimum of 12 Months History

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Mortgage Lending