We have over 25 years in mortgage banking, our firm is renowned for trust, loyalty, and mutual respect within the industry. We are experts in alternative mortgage programs for both residential and commercial sectors, including Non-QM loans. Non-QM Loans are tailored for those unable to meet the stringent guidelines of traditional government and conventional loans. These portfolio loans do not adhere to standard government or conventional mortgage criteria and may feature higher rates than traditional loans. A down payment of 10% to 20% is necessary, and there is no upper limit on loan amounts for Non-QM loans.
Here are some advantages of Non-QM loans:
- No requirement for income verification
- No need for employment verification
- No mandatory waiting period post-bankruptcy
- Eligibility persists after a deed in lieu of foreclosure, foreclosure, or short sale
- Asset Completion Loan Program availability
- Bank statement loans tailored for self-employed individuals
- Acceptance of late payments within the last 12 months
- Up to 95% LTV for Jumbo Loans
- Up to 95% LTV for Debt Consolidation Loans
