Innovative Non-QM Loans

Cross-Collateralization

Increase the borrowing power of your clients with cross-collateralization of additional real estate.

• Up to 100% LTV for purchase, 90% LTV for refinance
• Great for real estate investors who don’t want to liquidate
• Increase borrowing power without the need for multiple mortgages
• All occupancy types are eligible

DSCR

Help investor clients qualify for a loan faster with no income documents or W-2s required.

• Flexible Prepayment Penalty Options
• No limit on cash-out amounts
• Interest-only options available

Super Jumbo

Close more deals with loan amounts up to $30MM – great for high net worth borrowers with complex income structures.

• Loan amounts up to $30MM+
• No limit on cash-out amounts
• All occupancy types are eligible

Cash-Flow mAXimizer

Give your borrowers flexible payment options so they can put their money to work.

• Loan amounts starting at $1 over conforming, up to $30MM
• California, Florida, and New York properties
• All occupancy types are eligible
• Flexibility to choose between interest-only and deferred-interest payments

Bridge-to-Sale

Access a property’s equity prior to its sale so your clients can secure their dream homes.

• 1-year interest-only program
• No limits on cash-out amounts
• Ability to Repay (ATR) limits don’t apply
• All occupancy types are eligible

Bank Statement Qualifying

Give borrowers the flexibility to use multiple streams of income to qualify for their loan, including personal or business bank statements.

• No tax forms needed
• Multiple income sources accepted
• Based on 12-month bank statement average
• For self-employed borrowers

Asset Depletion

• Use liquid assets as full or supplemental income
• Unique underwriting approach for borrowers with nontraditional income
• Trust funds, investment portfolios, retirement accounts, and cash equivalents accepted
• Available for owner-occupied, second home, and investment properties