Unconventional Mortgages and Loans (800) 718-8906

Unconventional Mortgages and Loans

Customer Service: (800) 718-8906

Non-QM – Stated Expense Ratio

Alternative Bank Statement Income | Non-QM Mortgage Broker

* Other Alt Doc, Reduced Doc, and Lite Doc Options Available

-1099 Only

-Investor Cash Flow DSCR

-Asset Qualifier

-Asset Distribution

* Business or Personal account OK Including Co-mingled accounts; Multiple Bank Accounts -OK

No Doc Means:

** No Tax Returns

** No Business Tax Returns Not Required

** Personal Tax Returns Not Required

** 4506-T and 4506-C Form Not Required

Numerous Ways to Calculate Bank Statement Income

Flexible Self-Employed Stated Expense Ratios down to 20%

Super Jumbo Loan Amounts to $4,000,000

** Maximum Cash Out $750,000. Use Cash Out for Reserves

* Maximum DTI 55%

* Maximum LTV 90%

* Minimum Credit Score 600

Eligible Occupancies:

* Primary

* Owner Occupied

* Second Home

* Non-Owner-Occupied

* Multi-Unit Investment

Eligible Vesting:

* C and S Corps, LLC’s, Partnerships

Property Types:

* SFR, Townhome, 1-2 Units, 2-4 Units, Condos, and Non-Warrantable Condos

Available Terms: 5/1 ARM, 7/1 ARM, 10/1 ARM, 30 Year Fixed with Interest Only

Available in the Following States:

Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Nevada, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Mortgage Lending