NON-QM Programs
Tailored Mortgage Solutions for Every Borrower’s Journey
we understand that no two borrowers are alike. That’s why we offer specialized loan programs designed to meet the unique needs of foreign nationals, expats, self-employed individuals, and investors. Whether you’re navigating non-traditional income, purchasing a non-warrantable condo, or building your investment portfolio, we’re here to make your real estate dreams a reality with expert guidance and personalized service.
Foreign National Loans
- No U.S. Credit History Required: Tailored solutions that don’t rely on traditional credit reports, making it easier for international buyers to qualify.
- Flexible Income Verification: Options designed to accommodate foreign income sources and unique financial documentation.
- Investment and Residential Opportunities: Whether you’re purchasing a vacation home, a primary residence, or an investment property, we’ve got you covered.
Expat Financing
- Streamlined Lending for Returning Expats: Simplified processes tailored for expatriates reestablishing themselves in the U.S. real estate market.
- Flexible Documentation Options: Designed to accommodate international income and non-traditional financial records.
- Cross-Border Expertise: Guidance through every step of the process, ensuring smooth navigation of unique challenges expats face.
Self-Employed Borrowers
- Alternative Income Verification: Loan programs designed to consider bank statements, cash flow, or other documentation instead of traditional W-2s.
- Custom Solutions for Entrepreneurs: Tailored options for business owners, freelancers, and gig workers with non-traditional income streams.
- Flexible Credit Requirements: Programs that understand the unique financial situations of self-employed borrowers.
Investment Property Loans
- Build Your Portfolio: Flexible financing options for single-family homes, multi-unit properties, and short-term rental investments.
- No Income, Just Asset-Based Options: Loans that focus on the property’s potential income rather than your personal financials.
- Competitive Rates and Terms: Designed to help investors maximize their returns and grow their portfolios efficiently.
Non-Warrantable Condo Loans
- Financing for Unique Properties: Loans tailored for condos that don’t meet traditional lending requirements, like high investor ratios or incomplete developments.
- Flexible Eligibility Criteria: Options designed to accommodate unconventional condo projects and unique borrower needs.
- Expert Guidance for Complex Cases: Assistance in navigating the challenges of purchasing non-warrantable condos with confidence.
Bank Statement Loans
- Income Based on Bank Deposits: Use 12 or 24 months of bank statements to qualify, ideal for freelancers, contractors, and gig workers.
- No Tax Returns Needed: Skip the hassle of providing traditional income documentation like W-2s or tax returns.
- Custom Solutions for Unique Earners: Tailored programs to meet the needs of self-employed borrowers and those with non-traditional income.
