Loan Products
Welcome to Jumbo Non-QM Redefined
STANDALONE 2ND MORTGAGE
A Closed-End Cash-Out Program
For borrowers who want to access their equity but keep the low rate from their first mortgage.
Cash‐out, debt consolidation or piggy‐back purchase junior liens available for primary residences, second homes, and 1‐4 unit investment properties.
- Qualify with bank statements, P&L, full doc, 1099 only, or WVOE.
- Loans up to $1MM
BANK STATEMENT OR P&L PROGRAM
A Mortgage for the Self-Employed
Perfect for self-employed borrowers that have issues proving income with full documentation.
We can qualify with bank statements or P&L and use asset allowance to get your borrowers into homes.
- No tax returns necessary
- Qualify with bank statements or P&L only
- Loan amounts up to $6MM
NON-QM FULL DOC
Expanded full doc and asset qualification
This exception-based loan program is for borrowers who just miss qualifying for conventional full doc. We have increased LTVs and allow higher DTI.
- Assets only and 60 months asset allowance
- Can exclude departing residence from DTI
- Loan amounts up to $6MM
DSCR OR NO RATIO
Real Estate Investment Loans
We have two DSCR programs to fit your real estate investors' needs. Qualification is based solely on the cash-flow of the non-owner-occupied property.
- DSCR can be down to 0
- Foreign national option
- Loan amounts up to $6MM