• Non-Qualified Loan, Programs

    Here are a sample of our Non-Qualified home loan products.  We do not publish our rates for these or any products.  They can change daily/hourly.  Please call us for a quote on these and other loan products.

    Apply Here

  • Alt-QM - Asset

    • The borrower is qualified based on verified liquid assets;
    • Assets must be documented sufficiently to cover the loan amount requested with an additional 60 months reserves to cover all revolving, installment and miscellaneous debts (e.g. child support, alimony, etc.);
    • Assets can be cash in the bank, stocks, bonds, IRA’s, 401k’s, mutual funds or any retirement accounts; 12 months of consecutive statements are required for asset verification;
    • Tax returns are not needed in Underwriting.

  • Alt-QM Investor

    • Designed for experienced Real Estate Investor who is purchasing or refinancing investment properties to be held for business purposes;
    • Borrower is qualified based upon the cash flow of the subject property, specifically the debt coverage ratio (1.0 for purchase transactions and 1.25 for refinance);
    • Income is neither stated nor verified, tax returns not required.

  • Alt-QM Jumbo

    • Designed for high credit quality borrowers;
    • Maximum DTI of 50%;
    • Maximum Cash Out of 500,000;
    • Foreign nationals are eligible for financing under this program with additional overlays.

  • Alt-QM Agency

    • Designed for high credit quality borrowers who have loan parameters that fall just outside Fannie Mae and Freddie Mac guidelines;
    • Loan amount cannot exceed conforming or high balance loan limits;
    • 43% DTI ratio, maximum of 50% with compensating factors;

  • Alt-QM Income (Bank Statement Loan)

    • Designed for self-employed borrowers with a minimum of two years self-employment history;
    • Borrower’s qualifying income is calculated by 12 months most recent bank statements in place of tax returns.

    See More About Our Bank Statement Loans Here