Non-QM Loans
Non-QM Loan Programs
Non-QM loans give borrowers who don't fit traditional mortgage guidelines a flexible path to financing. Instead of relying on W-2s and tax returns, these programs qualify borrowers through alternative documentation like bank statements, asset-based income, and investor cash flow. That makes Non-QM loans a strong fit for self-employed borrowers, real estate investors, and anyone with a financial picture that doesn't match conventional lending boxes.
1099 Income Borrowers
For self-employed borrowers and independent contractors, our 1099 Income Loan program offers a more flexible way to qualify using 1099 earnings, with as little as one year of filed income documentation. Eligible borrowers may qualify using up to 90% of gross revenue, with as little as 10% down and loan amounts up to $3 million for primary residences, second homes, and investment properties.
Bank Statement Loans
Bank Statement Loans offer a flexible financing solution for self-employed borrowers by allowing them to qualify using 12 or 24 months of personal or business bank statements instead of traditional tax documents. With down payments as low as 10% with no PMI, loan amounts up to $3.5 million, and options for primary residences, second homes, and investment properties, these programs are designed to accommodate a variety of financial situations. Purchase, rate/term refinance, and cash-out refinance options are available.
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans offer flexible financing for real estate investors purchasing or refinancing short- and long-term rental properties. Rather than relying primarily on personal income, qualification is largely based on the property's rental income and cash flow.
With down payments as low as 15%, loan amounts up to $2.5 million, and credit scores starting at 660, DSCR loans can be used for single-family homes, condos, townhomes, 2–4 unit properties, and more. Short-term rentals, including Airbnb and VRBO properties, are eligible, and loans may be closed in an LLC or other qualifying U.S. business entity.
Asset Based Loans
Asset-based mortgage loans offer a flexible way to qualify by using your assets rather than relying solely on traditional income documentation like W-2s or tax returns. Ideal for high-net-worth borrowers, retirees, and those with substantial assets, these programs can help turn accumulated wealth into mortgage eligibility. Assets may also be used alongside other income sources, such as W-2 income or bank statements, to help borrowers qualify.
Interest Only Loans
An interest-only mortgage can offer lower monthly payments during the initial years of the loan by allowing you to pay only the interest for a set period. Our 30- and 40-year interest-only options both feature a 10-year interest-only period, followed by principal and interest payments for the remainder of the loan term. This added flexibility may be a good fit for borrowers looking to manage cash flow or keep initial housing payments lower.
Non-US Citizen Loans
You don't have to be a U.S. citizen to purchase property in the United States. Our Foreign National loan programs offer flexible financing for second homes and investment properties, with down payments as low as 25% and loan amounts up to $2 million. Financing is available for single-family homes, 2–4 unit properties, condos, and condotels, with full documentation, bank statement, and DSCR options available. Gift funds may also be accepted.
Bridge Loans
Bridge loans can help you buy your next home before selling your current one, giving you the flexibility to make a strong offer without waiting for your existing home to sell. By accessing the equity in your departing home, a bridge loan can help pay off your current mortgage and provide funds toward the down payment on your new home. With both stand-alone and simultaneous loan options, we can help structure financing around your specific situation and next move.