The ITIN or Individual Taxpayer Identification Number program is specially crafted for the borrower who has an ITIN, for purposes of reporting taxes from passive income sources only, and is not employed in the U.S. A traditional U.S. credit report is not required for borrowers without a valid SSN. This program offers a clear path to financing and includes DACA. This program removes the barriers often faced by ITIN applicants, ensuring they have the same accessibility and ease as local borrowers.
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Our newest program, DSCR Supreme is more restrictive and is our most competitively priced DSCR option. This one to four family investment property program offers an elegant blend of flexibility and robust features, catering specifically to the highly credit qualified investor for their business purpose loan needs. It allows for streamlined income verification through market rent or lease agreements, highlighting its commitment to ease and efficiency. It is complemented by versatile property type options and judicious financial provisions, solidifying its position as a premium choice for serious investors
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The Flex Select program is a Non-QM loan solution designed with precision and flexibility in mind. With an LTV of up to 90% and a wide loan amount range, it’s suitable for diverse financial scenarios. The program’s core strength lies in its adaptability, whether for owner-occupied residences, second homes or investment properties, it provides a structured yet accommodating approach. With a clear focus on the borrower’s financial profile, the program requires only a minimum FICO of 640 based on the primary wage earners middle score. Its reduced documentation period and a pragmatic view on recent credit events underscore its commitment to efficiency. In addition to the full documentation option, this product also provides options for the self-employed borrower to determine what documents will best tell their financial story utilizing either business or personal bank statements, 1099 or P&L with or without bank statements to qualify. When the agency route just won’t work for your borrower’s specific scenario, our Flex Select program is a perfect alternative. In essence, the Flex Select program offers a balanced, professional and comprehensive mortgage solution.
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The Super Jumbo program is a specialty product for high-net-worth borrowers with solid, stable income and credit and considerable assets for down payment, closing costs and reserves. The collateral must be a prime real estate property within a prime real estate market.
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Flex Supreme is at the top of the NQM Funding programs waterfall offering the best pricing for the most qualified borrowers who do not have any credit challenges and possess very stable employment, income and assets history.
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The 2-1 buydown loan program offers a fantastic way for your borrowers to secure a mortgage with a temporary interest rate reduction. For the initial two years, your borrowers benefit from decreased rates, creating a smoother start to their homeownership journey. By the third year, the rate settles to match the standard loan rate. Think of it as an introductory deal for a mortgage, helping your borrowers transition comfortably into their payments. An ideal choice for clients who appreciate upfront savings and have a clear future plan!
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The 2nd lien loan program is tailored for those seeking flexible financing solutions. It allows your borrowers to tap into up to 85% CLTV, with loan amounts ranging from $125K to $500K. Whether they’re eyeing a new purchase or considering a cash-out, this program has them covered. It’s versatile, catering to both owner-occupied and second homes. Plus, with a minimum FICO of 680, it focuses on the primary wage earner’s middle score for qualification. And to add a cherry on top, the program offers the choice of full documentation or alternative docs like bank statements and 1099s. Your borrowers can confidently step forward, knowing mortgage lates won’t hold them back.
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The Foreign National program is specially crafted for international borrowers, offering them a clear path to financing in a foreign landscape. A Foreign National is a non-U.S. citizen authorized to live in the U.S. on a temporary basis but does not meet the definition of a Non-Permanent Resident Alien. To be eligible, the borrower must live and work in another country and be a legal resident of that same country. Borrowers can navigate the loan process seamlessly with comprehensive documentation. This program removes the barriers often faced by international applicants, ensuring they have the same accessibility and ease as local borrowers. It’s the perfect bridge for global clients seeking a foothold in a new financial environment..
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The Investor DSCR Mixed Use loan program is an investor’s dream come true for mixed-use properties. Here’s why: It grants up to a generous 75% LTV with loan amounts spanning from $250K right up to $3M, making it suitable for a range of investments.
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This program is designed for one to four family business purpose loans that offer an elegant blend of flexibility and robust features, catering specifically to the discerning investor. It allows for streamlined income verification through market rent or lease agreements, highlighting its commitment to ease and efficiency. The inclusion of a 2/1 temporary buydown reflects its adaptability to different financial strategies. Furthermore, its diverse DSCR options, coupled with provisions for short-term rental, emphasize its relevance in today’s dynamic investment landscape. With a foundational FICO requirement of 640 and an accommodating LTV threshold, this program is both inclusive and prudent. It is complemented by versatile property type options and judicious financial provisions, solidifying its position as a premium choice for serious investors.
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This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with all laws and regulations. Distribution to the general public is prohibited. Rates and programs are subject to change without notice.
