Lenders That Offer Non-QM Loans

This page is dedicated to cataloging the growing list of non-QM lenders that exist today.

It started with just a few entries back in 2014, when non-QM lending was in its infancy, but has since grown exponentially.

Fast forward to 2022 and there are countless non-QM lenders originating home loans, from small shops to massive depositories, at both the wholesale and retail level.

This is a testament to the popularity of mortgage lending that doesn’t fit the very specific credit box associated with a Qualified Mortgage.

Below, you can find dozens of mortgage lenders that offer non-QM loans, including interest-only loans, stated income loans, 40-year mortgages, and everything else that is now banned under QM.

This list of non-QM lenders was last updated on February 7th, 2024. To be included, contact us here.

Who Makes Interest-Only Home Loans?

– 11 Mortgage
– AAA Lendings
– A&D Mortgage
– Acra Lending
– All Home Lending Inc.
– Altloan
– America Mortgages
– American Lending, Inc.
– Amerifund Home Mortgage
– AmWest Funding Corp.
– Anchor Loans
– Angel Oak Home Loans
– Athas Capital Group
– ARC Home LLC
– Banc of California
– Bank of America
– Bank of Internet USA
– Bank of the West
– Beeline Loans
– BluePoint Mortgage
– Cal-Pac Capital
– Caliber Home Loans
– Capital Alliance, LLC
– Carrington Mortgage Services
– Champions Funding
– Chase
– CIT Bank
– Citadel Servicing
– Civic Financial Services LLC
– Commerce Home Mortgage (Change Home Mortgage)
– Credit Union of Southern California (CU SoCal)
– Diamond Residential Mortgage Corp.
– Drop Mortgage
– Excelerate Capital
– Finance of America Mortgage
– First Cal
– First Guaranty Mortgage Corporation (FGMC)
– First U.S. Home Loans
– Foundation Mortgage
– Fremont Bank
– FundLoans.com
– FutureWave Finance
– Galton Funding
– GreenBox Loans Inc.
– Griffin Funding
– Guild Mortgage
– HomeBridge Wholesale
– Hometown Equity Mortgage
– HP Mortgage LLC
– Human Mortgage (First Community Mortgage)
– Impac
– JMAC Lending
– Kind Lending
– Land Home Financial Services
– LBC Mortgage
– Lead + Wholesale Lending
– LenderLive
– loanDepot
– LoanStream Mortgage
– Logan Finance
– Luther Burbank Mortgage
– Luxury Mortgage Corp.
– MCM Holdings, Inc.
– Mega Capital Funding
– Mid America Mortgage, Inc.
– MORE Lending
– Mountain West Financial, Inc.
– Nations Direct Mortgage
– Navy Federal Credit Union
– New American Funding
– New Penn Financial
– NewRez Wholesale
– NJ Lenders Corp.
– NMSI, Inc.
– NP, Inc.
– NQM Funding
– Oaktree Funding Corp.
– On Q Financial
– OneWest Bank
– OptionWide Financial Corporation
– Pacific Bay Lending
– Paramount Residential Mortgage Group (PRMG)
– PHH Mortgage
– Plaza Home Mortgage
– Prime Choice Funding Wholesale
– Provadus Home Loans
– Redwood Trust
– Reliant Bank Mortgage Services
– Renew Lending
– Recovco Mortgage
– Royal Pacific Funding
– Silvergate Bank
– Social Finance (SoFi)
– Sprout Mortgage
– Stearns Wholesale
– Stronghill Capital
– Sun West Mortgage Company, Inc.
– Texas Premier Mortgage
– theLender
– Union Bank
– Unite Mortgage
– Upright (Fund That Flip)
– U.S. Bank
– US Direct Lender
– Velocity Mortgage Capital
– Wells Fargo

Interest-only loans appear to be the most common non-QM loan type at the moment, mainly because lenders were already making them before QM rolled out.

Instead of selling them off, they’ll probably be kept on the banks’ books going forward.  This means more stringent underwriting guidelines, including higher FICO score requirements and potentially lower LTV limits.

Who Offers Stated Income and Alt-Doc Loans?

– 11 Mortgage
– 360 Mortgage Group, LLC
– 5th Street Capital
– AAA Lendings
– A&D Mortgage
– Acra Lending
– All Coast Lending
– All Credit Considered (ACC) Mortgage
– All Home Lending Inc.
– Altloan
– AMEC Home Loans
– America Mortgages
– American Financial Resources (AFR)
– American Lending, Inc.
– Amerifund Home Mortgage
– AmWest Funding Corp.
– Anchor Loans
– Angel Oak Home Loans
– Artisan Mortgage
– Athas Capital Group
– ARC Home LLC
– Banc of California
– Bank of Internet USA
– Bayview Loan Servicing
– Beeline Loans
– BluePoint Mortgage
– Cal-Pac Capital
– Caliber Home Loans
– Capital Alliance, LLC
– Champions Funding
– Citadel Servicing
– Civic Financial Services LLC
– Commerce Home Mortgage (Change Home Mortgage)
– Dara Capital Group
– Deephaven Mortgage
– Diamond Residential Mortgage Corp.
– Drop Mortgage
– Embrace Home Loans
– Excelerate Capital
– Finance of America Mortgage
– First Cal
– First Guaranty Mortgage Corporation (FGMC)
– Foundation Mortgage
– Fundamental Mortgage Corp.
– FundLoans.com
– FutureWave Finance
– Galton Funding
– GO Mortgage
– GreenBox Loans Inc.
– Griffin Funding
– Homepoint Financial
– Hometown Equity Mortgage
– Homewood Mortgage
– HP Mortgage LLC
– Human Mortgage (First Community Mortgage)
– Impac Mortgage
– JMAC Lending
– Kind Lending
– Lakeview Loan Servicing
– Land Home Financial Services
– LBC Mortgage
– Lead + Wholesale Lending
– LendSure Mortgage
– LoanStream Mortgage
– Logan Finance
– Luxury Mortgage Corp.
– Marques Commercial Capital
– Majestic Home Loan
– MCM Holdings, Inc.
– Mega Capital Funding
– Mid America Mortgage, Inc.
– Mountain West Financial, Inc.
– Nations Direct Mortgage
– Network Funding
– Newfi
– NewRez Wholesale
– New Penn Financial
– NextUs Lending
– North American Savings Bank (NASB)
– NP, Inc.
– NQM Funding
– Oaktree Funding Corp.
– On Q Financial
– OptionWide Financial Corporation
– Pacific Bay Lending
– Paramount Residential Mortgage Group (PRMG)
– Plaza Home Mortgage
– Prime Choice Funding Wholesale
– Privlo
– Provadus Home Loans
– QK Mortgage
– Quontic Bank
– Reliant Bank Mortgage Services
– Renew Lending
– ResMac
– RPM Mortgage
– Secure One Capital
– Security National Mortgage Company
– Sierra Pacific Mortgage
– Silvergate Bank
– Silver Hill Funding
– Silverton Mortgage
– Social Finance (SoFi)
– Sprout Mortgage
– Stearns Wholesale
– Stronghill Capital
– Synergy One Lending
– Sun West Mortgage Company, Inc.
– Texas Premier Mortgage
– theLender
– The Lending Answer
– Truss Financial Group
– Union Home Mortgage
– Unite Mortgage
– US Direct Lender
– Velocity Mortgage Capital
– Verus Mortgage Capital
– Visio Lending
– Westpark Equity Group

Who Offers Mortgages with 40-Year Terms?

– Altloan
– Beeline Loans
– Champions Funding
– Citadel Servicing
– Excelerate Capital
– First Cal
– FutureWave Finance
– Galton Funding
– HP Mortgage LLC
– Kind Lending
– Land Home Financial Services
– Lead + Wholesale Lending
– loanDepot
– LoanStream Mortgage
– Luxury Mortgage Corp.
– Mountain West Financial, Inc.
– Nations Direct Mortgage
– NQM Funding
– On Q Financial
– Paramount Residential Mortgage Group (PRMG)
– Plaza Home Mortgage
– Stearns Wholesale
– Stronghill Capital
– theLender
– Union Bank
– Upright (Fund That Flip)

A growing list of lenders now offer mortgages with 40-year terms, which are also unacceptable under the Qualified Mortgage rule.

Just note that the interest expense is quite a bit higher on these products due to the long amortization, coupled with what is probably a higher mortgage rate.

Who Offers Non-QM Second Mortgages?

– AAA Lendings
– A&D Mortgage
– Angel Oak Mortgage Solutions
– Beeline Loans
– Change Home Mortgage
– Citadel Servicing
– Galton Funding
– Hometown Equity Mortgage
– Jcap Private Lending
– Kind Lending
– Lead + Wholesale Lending
– Nations Direct Mortgage
– NQM Funding
– OptionWide Financial Corporation
– The Lending Answer
– Unite Mortgage

Very few lenders seem to be offering non-QM second mortgages, though there are some out there, and perhaps more will join the fray in the near future.

Part of this might have to do with the fact that second mortgages aren’t nearly as popular as they once were pre-housing crisis.

Who Offers Wholesale Non-QM Loans?

– 11 Mortgage
– 360 Mortgage Group, LLC
– 5th Street Capital
– AAA Lendings
– A&D Mortgage
– Acra Lending
– Advancial Federal Credit Union
– All Home Lending Inc.
– American Financial Resources (AFR)
– American Lending, Inc.
– AmWest Funding Corp.
– Angel Oak Home Loans
– Athas Capital Group
– ARC Home LLC
– Banc of California
– Beeline Loans
– BluePoint Mortgage
– BofI Federal Bank (Axos Bank)
– Capital Alliance, LLC
– Carrington Wholesale
– Champions Funding
– Change Home Mortgage
– Citadel Servicing
– ClearEdge Lending
– CMG Financial
– CoreVest
– Deephaven Mortgage
– Essex Mortgage
– Excelerate Capital
– Finance of America Mortgage
– First National Bank of America
– Fremont Bank
– GreenBox Loans Inc.
– HomeBridge Wholesale
– Homepoint Financial
– Hometown Equity Mortgage
– HomeXpress Mortgage Corp.
– Hurst Lending
– JMAC Lending
– Land Home Financial Services
– Lead + Wholesale Lending
– LendSure Mortgage
– LoanStream Mortgage
– Logan Finance
– Luxury Mortgage Corp.
– Majestic Home Loan
– Mega Capital Funding
– Mid America Mortgage, Inc.
– Nations Direct Mortgage
– Newfi
– NewRez Wholesale
– New Penn Financial
– NextUs Lending
– NP, Inc.
– NQM Funding
– Oaktree Funding Corp.
– Paramount Residential Mortgage Group (PRMG)
– Parkside Lending
– Plaza Home Mortgage
– Prime Choice Funding Wholesale
– Recovco Mortgage
– ResMac
– RightStart Mortgage
– Rocket Pro TPO
– Stearns Wholesale
– Stronghill Capital
– Sun West Mortgage Company, Inc.
– The Federal Savings Bank
– Union Bank
– Unite Mortgage
– United Wholesale Mortgage
– Velocity Mortgage Capital
– WesLend Wholesale
– Wholesale Capital Corporation

Good news for mortgage brokers – lots of non-QM lenders also offer their products via the wholesale and correspondent channel.

This makes a lot of sense given borrowers with tougher loan scenarios often work with brokers to find a home for their mortgage.

Who Offers Non-QM Jumbo Loans?

A number of these lenders may also offer non-QM jumbo loans that exceed the conforming loan limit and the high-cost loan limits.

In fact, several of the lenders on this list offer loan amounts of $3 million or more.

Additionally, many allow DTI ratios above 43%.  Remember, only Temporary QM loans are not subject to the 43% maximum DTI ratio threshold.

– 1st Florida Lending Corp.
– 360 Mortgage Group, LLC
– 5th Street Capital
– AAA Lendings
– A&D Mortgage
– Acra Lending
– All Credit Considered (ACC) Mortgage
– All Home Lending Inc.
– Altloan
– America Mortgages
– American Financial Resources (AFR)
– Amerifund Home Mortgage
– AmeriHome
– Anchor Loans
– Angel Oak Home Loans
– Athas Capital Group
– ARC Home LLC
– Bank of Internet USA
– Bayview Loan Servicing
– Beeline Loans
– Cal-Pac Capital
– Caliber Home Loans
– Carrington Mortgage Services
– CashCall
– Champions Funding
– Citadel Servicing
– Civic Financial Services LLC
– CMG Financial
– Commerce Home Mortgage (Change Home Mortgage)
– CoreVest
– Credit Union of Southern California (CU SoCal)
– Drop Mortgage
– Deephaven Mortgage
– Embrace Home Loans
– Excelerate Capital
– Finance of America Mortgage
– First Cal
– First Guaranty Mortgage Corporation
– First Direct Lending
– First National Bank of America
– First U.S. Home Loans
– Foundation Mortgage
– Fremont Bank
– FundLoans.com
– FutureWave Finance
– Galton Funding
– GO Mortgage
– GreenBox Loans Inc.
– Griffin Funding
– Guild Mortgage Co.
– Homepoint Financial
– Hometown Equity Mortgage
– Homewood Mortgage
– HP Mortgage LLC
– Impac Mortgage
– JMAC Lending
– Kind Lending
– Lakeview Loan Servicing
– Land Home Financial Services
– LBC Mortgage
– Lead + Wholesale Lending
– LenderLive
– LendSure Mortgage
– LoanStar Home Lending
– LoanStream Wholesale
– Logan Finance
– Luther Burbank Mortgage
– Mega Capital Funding
– Michigan Mutual (MiMutual)
– Mid America Mortgage, Inc.
– MORE Lending
– Mountain West Financial, Inc.
– Network Funding
– Newfi
– NewRez Wholesale
– New Penn Financial
– National Mortgage Service Incorporated (NMSI)
– Nations Direct Mortgage
– Navy Federal Credit Union
– New American Funding
– NexBank
– NextUs Lending
– North American Savings Bank (NASB)
– NP, Inc.
– NQM Funding
– Oaktree Funding Corp.
– On Q Financial
– OptionWide Financial Corporation
– Pacific Bay Lending
– Paramount Residential Mortgage Group
– Parkside Lending
– PennyMac
– Plaza Home Mortgage
– Prime Choice Funding Wholesale
– Privlo
– Provadus Home Loans
– Pulte Mortgage
– QK Mortgage
– Quontic Bank
– Redwood Trust
– Regency Mortgage
– Reliant Bank Mortgage Services
– Renew Lending
– Rocket Pro TPO
– Royal Pacific Funding
– RPM Mortgage
– Secure One Capital
– Security National Mortgage Company
– SG Capital Partners
– Sierra Pacific Mortgage
– Silvergate Bank
– Silver Hill Funding
– Silverton Mortgage
– Skyline Home Loans
– Social Finance
– Sprout Mortgage
– Stearns Wholesale
– Stronghill Capital
– Sun West Mortgage Company, Inc.
– Synergy One Lending
– theLender
– The Lending Answer
– Truss Financial Group
– Two Harbors
– Union Bank
– Unite Mortgage
– United Wholesale Mortgage
– Upright (Fund That Flip)
– U.S. Bank
– US Direct Lender
– Ventana Loan Services LLC
– Verus Mortgage Capital
– Westpark Equity Group
– W.J. Bradley

If you’re a non-QM lender, get in touch and we’ll add your product info to this ever-expanding list.

147 comments

  1. I am looking for a $400K (or less) loan for a 2nd house. I am an early retiree (age 58) so I think non-QM might be a way to go. I have A LOT of assets, but can’t get “credit” for them in the traditional Qualified Mortgage manner. So I am hoping a non-QM loan would be available for me. I have 401k, Trad IRA, Roth IRA, 2 rental properties, other assets and can provide all past federal income tax returns.

  2. Hi,

    I am a Nurse Practitioner. I started last year in April as 1099 employee. I have been trying to refinance my current home to get a lower interest rate and cash out to do renovations to my home. I was turned down by my current bank, because I have not been 1099 employee for over 2 years. I did not believe it and so I shopped around, well they all said the same thing and now I feel stuck waiting another year and hoping interest rates remain low. Is there anyone that refinance homes with less than 2 year 1099 employee? My current interest rate is 5.5%. I have never missed a mortgage payment in the 11 years I have had this mortgage.

  3. I DON’T HAVE traditional fico score, but I can provide rental receipts in the past year, and I work for a company more than one year and earn a salary of $60,000, I can provide 2019 tax return, but not 2018 tax return. i can pay 3-5% down payment.
    Who can lend money for me to purchasing a home in NY? What is the rates and fee? and how much can I borrow please

  4. Looking for cash out refi. Had BK, chapter 7 and was discharged in Dec. 2018 so is not 24 month seasoned yet. Anyone know a program that can help me. The home is a SFR, O/O, amount finance is about $200k, below 50 LTV and the property is in Texas

    1. Hi Steve,
      This is Dedreia McGeary with HomeXpress Mortgage NON QM. We cannot offer cash out in TX but I did want to reach out to you and let you know that we do offer < 2yr. & < 12 mos.(settled) seasoning on BK with my CoreX, O/O with adds to the rate.
      We also have DSCR, Investor loans.
      I would like to chat with you on our NON QM 2.0 loan programs, common sense u/w & 24 hr. turn times.
      Could you send me your contact info. so I can call you and email you or call me for all your NON QM scenarios and Agency fall out?
      Best,
      Dedreia McGeary
      National Account Executive
      HomeXpress Mortgage NON QM
      925-785-3496
      925-785-3496

      1. My husband is temporarily laid off but my income has picked up to full time to meet the gap in his. Last years gross 1099’s were $104,000, but mine was only $18,000 of that. So far this year I’ve already earned twice that since he’s home helping me. We have three years of on time rental payments of $2,400/month. We are both self employed but have 680+ credit scores, no debt and 20% down. Can you help us with a $250,000 mortgage?

  5. Need a lender for loan amount under $100,000 in FL that don’t use tax returns to verify income and work with credit in the 500s.

  6. I am looking for a non-QM refinance on my owner-occupied home in Missouri. Have equity in property but low credit score due to recently discharged bankruptcy.

  7. Looking for a 5/1 or 7/1 ARM, I/O or amortizing, refi/cash-out refi for a cash flowing STR rental in Austin, TX. Independent appraisal available, performed in Jan 2019. Seeking 75 LTV based on appraisal. Q3 market (CMA) values now higher than Q1. Looking for competitive rate in 7-8% range (or lower). All LLC docs available for review. No personal qualifying/ No or Low Doc (guarantor will not provide personal tax returns, income, etc). Loan strictly based on asset and trailing 12 month (or back to 2016) rent roll. Currently reviewing term sheets.

  8. Hello

    I am looking for cross collateral as down payment for new purchase.

    please refer me if you know any lender.

    Regards
    Ram

  9. Seeking Non-Q refi, licensed in NY, 4 family value $3M (appraised Cush/Wake) 1st. $880,000 Heloc $260,00 + CC debt + and cash out: Total $1.45m. loan
    Pref 5/1 or 7/1 arm int only; Fico 720. good income, bank stat only, owner, Developer. licensed real estate firm 20 years. Fast Close.

  10. I’m looking for a Non QM Construction Loan in Texas. Prefer One time close if available. Great credit scores, just need bank statement income verification. 80-90%LTV, 10% cash at closing. Property included in purchase. Owner occupied. Single family. Max 450k. Already approved for mortgage, just looking for a one time solution. Having hard time getting anyone to do an interim(even stand alone) without 20+% down due to alt docs needed. 15/20/30 yr fixed or 10yr arm. Low DTI.

    1. Hello. I’m in a very similar situation. Could I ask who you found for the loan you did get? Thank you so much!!

  11. I am a Non-QM and Jumbo underwriter with 7 years underwriting experience and 22 years in the mortgage profession. Are any of these wholesale lenders looking for underwriters at this time?

  12. I have a first mortgage at about $383,000 and a second at about $90,000. I need to refinance the two into one mortgage. The last appraisal on the house was a range of $460,000 – $480,000. I have never missed a payment on any of my owned homes. I have owned my current home for 11 years. I need to get my ex-wife off the notes and refinance in my name with a better rate. Can anyone help?

  13. Looking for a mortgage for around $300K, currently in Chap 13, but is paid on time, Fiance is on unemployment works part-time, I have income. looking in Vegas. Credit 540 and his 648. Can someone help us

  14. Hello. I have been renting this townhouse for 3 years now and the owner wants to sell it. I want to buy it but I don’t think its possible. Here’s the issues that I have: no/poor credit(low 500’s), no income(waiting for ssdi decision), and no down payment. I have people with perfect credit willing to co-sign for the mortgage but just co-sign for the loan not own the home. Can anyone help me? Thanks.

  15. Got a foreclosure TD Sale 4/12/2012. Got good 750+ 3 agency credit score. Have lots of equity. What is my best option for HELOC or Refi?

  16. Looking for home equity line of credit / or refi options on non owner occupied 4 unit in Ma. Current ltv is approx 45 to 55%… to use equity to buy more rental property. Bk approx 5 Year’s, short over 2 years. Owe $330,000 building value aprox $700,000… present FICO hi 600es lenders working in Ma. Contact me please

  17. I’m looking for a Non-Qualifying HELOC 80% LTV on my primary residence that I own free and clear. I have an 800+ credit score, High DTI, Self-employed, Higher Net Worth, 3 rental properties and 2 mortgages.

    Any help appreciated.
    Best Regards,
    Michael

  18. Looking for small 100k or less, 5yr-30yr primary, project financing, 50% LTV, mostly self funded, 2800 sf addition to home on 5 acre, fully recreational lakeshore lot in Minnesota, 30 miles from downtown metro. Mid 700 scores. Collateralized or stated options? Recasting interest only with disbursements is preferred, but very open to other reasonable possibilities.

  19. Need 70-75% LTV ON 170k home purchase in Kentucky. Active chapter 13 (sixteen months in with timely payments) – very low credit scores, down payment is gift. Can prove employment and income. Need quick close.

  20. Need a refinance cash out on my home of 6 years. Worth 202k, owe 100k, want to cash out 20-30k. Credit score in the 500 ‘s. Income 6k a month. Mortgage lates but not on credit report. Current lender is a private mortgage lender.

  21. Looking for a self build construction and lot loan. Total amount needed is $650k minus down-payment of $65k, so total loan amount of $585k. Willing to put additional 10% down once current house is sold. Have all docs, self employed with bank statements, tax documents, etc… everything is good! Credit is 760 or higher and no bankruptcy, short sale, etc. Found a traditional bank lender, and got pre approved, but took some time off work the past couple of months to deal with family and Hurricane Harvey so there is a dip in current incoming income also DTI with current home, which we will sale once new home is completed, is 44%. Please email if you can help Allisons006@hotmail.com

  22. Hi, I am looking for a loan of $450k, for renovations. Have assets worth $6m including two homes worth over $3m, free and clear. Am in NYC. Credit score 750, income averages $150k including cap gains. Lower in ’16, income alone $200k in ’17. AGI over $150 in ’15.

  23. Need a good broker ASAP. Under contract in NJ . Scores are below 620 and property can’t go FHA. Problem is loan amount is small approx. $75000. Would like broker who works with Citadel Servicing or a lender who has similar products. Need help urgently as time is of the essence.

  24. Looking for mortgage for a primary residence. In the process of getting divorced so credit score and DTI is very high. I need a loan with no credit check. Prefer no bank statements also. Verifiable W2 income of $150k, stable occupation. House I am looking to buy is $512K and I can put 10% down. I need a loan for this transition period. I am looking for a loan to buy a house now and plan on refinancing in about 3 yrs once everything is settled into a conventional loan. Email me if you can assist. Thanks!

  25. Self employed, looking to buy 2nd home (roughly 550k) in Florida. Credit 780+. Income verifiable by bank statements.(24-36 mons of both avail – business transfers to personal) Looking for 30 Yr fixed 90% ltv personal bank statement loan.DTI’s in line with 43%. Can you help?

  26. Hello, I’m looking for a Multi Unit Family loan. Non Owner Occupied and 90% LTV. Purchase Price is $209k.

  27. I’m looking for 95% ltv for a primary residence. Self employed business established in 2013 but no income generated until 2017. We have a bk that was discharged mid 2013. Credit scores high 600’s/low 700’s. $12-14k monthly income. DTI under 30. Anything out there for us?

    1. Hi Jon, Im just going over this and saw your “shout out” for some financing. I would be happy to discuss further to make sure I have my facts straight before I discuss what we can offer you with my funding mgr. We have a direct relationship with our funding partner for these type of scenarios.

  28. I am searching for a construction to permanent owner-occupied first mortgage loan. I have a minimum of 25% cash equity available. My credit has been compromised by a bankruptcy in 2012 and recent other collections due to a divorce. I can increase the amount of equity into the purchase if needed. Credit score is 525. Thank you.

  29. Here is my situation, home contracted for 230k, down payment 92k from sale of current home, never missed a mortgage payment in 10 years, credit 501, bank statement loan, dti approx 50, 57k collections and chargeoffs(income drop in 2015) cannot afford to settle them in order to obtain loan, income approx 13000/mth if you can help email me

  30. Does anyone offer non appraisal based loans? I have few investment properties that I purchased using cash but I dont want to go through the appraisal route(low value houses but high rental income). Looking for stated assets loan or loans based on rental income( I have good job and steady salary too)

    1. Deepan,
      We have an investment “cash flow” program. Your payment needs to be 1.1 ratio. So if you get 10% more for rent than your payment, you qualify. How we determine the market rent is the appraisal unless you have a current lease agreement and they have been paying the lease for at least 12 months.

  31. Looking for loan to purchase a home with very low 500 score. $87,000 verifiable income. no foreclosure just late payments. Need about $175,000 – $200,000.

    1. Hi Jen –

      I can help you with your Home purchase
      Low fico OK. Your income stream looks fine, but needs to be qualified.

      Louis Reda
      Citadel Servicing
      949-627-9119

  32. Hello! I am looking for a loan to purchase a house that needs renovation. The sales price is $155K and reno costs are estimated at $115K.

    Issues – 1 year out of foreclosure – the foreclosure is not listed on the credit reports.

  33. Looking for a CT lender for an 18-month bridge loan:

    $3.5 million property (zero debt currently)
    $500k 1st lien for 18-months (pre-fund interest)
    start-up entrepreneur w 720 score
    $1+ mil trust matures in 18-months to guarantee loan interest and repayment.

  34. Need a FL lender for the following:
    $4MM loan amount, owes $2.5MM
    **mid-score 803
    **assets: 10 million liquid
    **2016 income: $743k salary, distribution income of $4.6 million
    **2015 income: similar to above

  35. Looking for bank statement construction loan single family residential on land we own. Credit score 760+ on all three bureaus. Mix of W2 and self employment. W2 income (can be documented fully) self employment by bank statements. Looking for 90% or better LTV

    1. David

      Did you get funded already? Also what state is the land located in? Thank you
      Scot Alexander
      NLCC
      516-567-6604

  36. I have a 660 FICO my wife has a 650 . We have a home worth roughly 250 to 275 thousand. We owe like 95000 thousand. But we have a lot of current credit out there car payments credit cards etc. all perfect pay but a high debt to income ratio . So is there any loan that goes buy the equity in your home looking to possibly refi and take some cash for other realstate or business. Thanks.

    1. My bank offers nonQM loans so I wonder why it’s not listed here. We offer interest-only loans up 89.9% loan to value via “below prime” line of credit financing. When (optional) principal is paid, it immediately lowers the monthly payments. And the principal can be re-accessed via check writing. I’ve been originating mortgages for over 30 years and this loan is one of the best loans I’ve ever had to offer. It is for well qualified borrowers only. 727-215-7522

      1. I am looking for a non-qm, no doc loan in NJ on an owner occupied property valued at $320,000.00. H.E.L. on it of $41,000.00. Looking for a loan of $110,000.00. Self employed. No credit debt, no car payments. FICO in between 619 and 673. Short term loan for 6 months.

  37. Need an investor loan for a Condo in Miami . Association with 100% reserves , however there are more tenants that owner occupied units in the complex and prior lender did not want to loan as considered Condo as not warrantable.
    Please let me know if you have a loan product for this situation.
    Thanks
    You can contact me at gaudysve@hotmail.com

  38. Looking for a Residential Jumbo Interest-Only Construction Loan…
    – Credit 680 – 700
    – $1.2M – $1.4M loan amt.
    – 70% – 90% LTV (have cross collateral options, current home, property in another state, etc.)
    – Own property (1.54 acres)
    – 45% – 55% DTI (will sell existing home once new home is built)
    – Have full set of plans from licensed architect, a construction manager and builder… ready to put shovel in ground.

    Thanks,
    Michael

  39. Looking for Non-QM Equity Loan. Combine income is $115,000, roughly $30,000 is self employment. credit score between 700-710. Current DTI is 50%. Wanted to consolidate debt. House is worth $45,000 and we are looking for about $30,000. DTI after consolidation of debt would be around 45%. Is there anyone that does this type of loan?

  40. Redwood trust does not make non qm loans, or any other; they buy loans, from the banks and mortgage companies that originate them.

  41. We allow the following :

    -1 day out of BK , FC , Shortsale or Deed in lieu
    -down to 500 score
    -90% LTV on Jumbo with 24 months out on FC , Shortsale or BK
    – up to 90% on Bank statement Program
    -Investor property loans ( no job or income listed on application) based off cash flow of property
    – Foreign National Program up to 75%

    Also we strive on customer service. We can close loans extremely fast.

    If you have an appraisal I can close in less than 10 business days.

    If no appraisal 3-4 weeks depending on when you can receive appraisal.

    Larry Mize
    Larry.mize@angeloakms.com
    615-579-6506

    1. Im looking for a mortgage. We are 8 months out of bankruptcy, 2 property homes still havent FC. Looking at a home for $120k. Our income is over $100k. Have a down payment. The reason for bankruptcy is job loss. Can u get us a non qm or interest only?

  42. Need 90% LTV for $1.2M home
    $500k+ income (documented)
    720’s credit score

    Had foreclosure in past- final judgement 2010, auction 3/2016

  43. ACC Mortgage, Inc. (All Credit Considered) offers the following:

    12 month bank statement income documentation for self employed borrowers (personal bank account)
    24 month bank statement income documentation for self employed borrowers (personal and business bank statements)
    NO INCOME, NO ASSETS (INVESTMENT) Citizens and Foreign Nationals.
    ITIN BORROWER FINANCING (PURCHASE, Rate and term Refinance and Cash out refinance (Primary and Investment)
    Loans up to $2,500,000.00
    Ability to make Exceptions.

    Call me for more details: (661) 713-1831 direct line

    1. Hi Amy: Can you send me your email address to my email address? I have a couple of questions to ask you. Thank you!

    2. I’m a broker looking for financing for my foreign national clients. Some have Ssn, all have ITIN’s they have US entities, ein, banks statements and file tax returns. We have 1-4 unit properties and commercial 6units and a 24 unit. We need rates low rates and a decent LTV. ALL properties are cash flowing and free and clear.

  44. State: Missouri
    First time homebuyer
    Mortgage Amount: 150k-200k
    Yearly Income: 70k+ Verifiable
    Credit Score: ~560
    Ch7 BK discharged in 2013
    Making monthly payments on existing collections
    ~35% DTI

    Looking for mortgage + down payment assistance

    Have 7 years on time rental history (if that helps)

  45. William,
    Looking for a bank statement loan. Fico 750, 80% loan to value.
    Have 330K plus in deposits last 2 years, 80k cash. Looking to buy 130k to 150k home in Sun City, AZ. Self employed.
    Thanks,
    William
    wtoddjohnson1@gmail.com
    612-207-6620

  46. First time home buyer with poor credit. Looking to hopefully get a loan for 70-80k home. can do up to 10% down payment. Interest rates not important can be fixed or flex. Any one can help or know where to go to get approved. Solid work history and can prove income/assets.

  47. Looking for a 30 year construction loan of approx. 1.5 million dollars to finish construction of a new church in Las Vegas, Nevada. The church is approx. 70 percent complete. Currently the DTI of the church is 75% however, not all of their income is documented in the DTI percentage. The church has been appraised at 4 million dollars in it current construction status. The church has other properties (land, buildings) that is appraised at $650,000. Looking for a lender that will help us complete the construction as soon as possible.

  48. Hello,
    Does anyone have a home for the following loan:

    328,500 Loan Amount
    90% LTV or CLTV
    Purchase
    725 Fico
    24 Months Reserves
    Foreclosure on Investment Property 5 years ago due to divorce (joint owned property)
    44% DTI

  49. Hi
    I would like a stated income only loan. (I think)
    I have a $42,000.00 2nd with a Balloon
    due on Dec 01, 2016.
    I would like to just payoff the 2nd.
    A first of $162,000.00
    FICO 803 from Equifax.
    Can Anyone help?

  50. Realtor w client in Seattle area just found out didnt clear CAIVR. 3 weeks to close…95 ltv full doc 675 fico 45 or less DTI. Foreclosed in 2012 but FHA didnt Insure/record count until 2015 so saying not seasoned until 2018 even though they were “foreclosed” on in 2012.
    206 227 7179 Keith

  51. Need to refi 74% LTV but DTI just over 50% on paper. Income Taxes proof we can pay but joint and can’t use husband because of bad credit. My score in low 800’s and current mortgage already in just my name along with deed, just need to refi to get out of current rate and high payments but with just my proof of income DTI too high, can anyone help.

  52. Needed – NJ Primary home jumbo loan 1.8M, self employed with stated docs, 3-12mos business bank statements, Excellent Credit Score Over 750, Proof of Assets, LTV preferred 75-80% will go up to 70%, 3-5yr program with variable option, No short term loans, 6-7% interest rate no points.

  53. Any wholesale lenders offering Brokers a Jumbo Cash Out refinance on Investment properties? We have A+ borrower looking to use equity in investment property with LTV under 70% to purchase primary home in southern california.

  54. Hello,

    Self-employed. Own home outright in WA state. Market value $220-230. Store Company equipment and is business address. Have a caretaker live there. Not an investment property. I stay there when in WA. I live in AR with a lady, so I don’t own or rent there, but it is my home address. Travel a lot, only in AR 88 days in 2015.
    Looking for Alt-no doc or similar product that will use my bank statements to cash out equity of 150K on this property. Use of funds for business expansion. FICO 671

  55. I have a 243 First Mortgage and a 30 equity and the house is worth 425K , I am trying to get cash out of 45 to pay off debt. I have stated income and FICO ranging in last week from 588 to 626 . Mid range was 612 but it dropped . I need to pay off high interest cards. I’m in Florida any thoughts.. started looking for private money ? Never missed a mortgage payment , taxes paid .. 100K in home improvements paid cash for in last year.
    Thanks.
    Angie

  56. I’m looking to refi $320k on $750k Colorado primary residence for 15 year term. We’re both self employed but have $1 million assets, no other debt and credit score 750. We were offered 3.125% for 1.25% origination plus $3000 closing costs. Seems high. Can anyone do better? Thanks.

  57. I’m looking for a non QM mortgage with the lowet fees and rate. Florida home, 673 credit score, 20% down. Please send me fee structure.

  58. First time home buyer looking for a lender. My dti is 52% credit score 765 + my dti is high because of car I got for mottherinlaw but she pays faithfully for 3 years now…please help

  59. Looking for a NON QM loan in Tennessee. (Memphis area) I have owned my business for 3 years and now married and looking to purchase a new home. Currently renting and cannot qualify for traditional loans based off income tax due to the way it reflects as self employed. Any direction is appreciated!

  60. Very interested in seeing if you have any update on non-QM volumes. especially ex-prime IO. Amazing website but shocked to see so many lenders and no product.

    Something I would love to jump into / originate / securitize / asset manage in size

  61. Any one know of a lender who will do a loan for my clients who have ITINs only. They have exceptional credit, own their own home for 12 yrs. Have paid taxes for 12 yrs. But do not have soc.sec. or green cards.
    Please contact me. Thank you.

  62. Me and my husband is looking to get a mortgage loan . He has a credit score of 720 and I have very poor credit in the low 500 with bankruptcy chapter 7 about 6 yrs ago. I make $4000 a month and my husband has no income. We are looking to put $100,000 dollars but the homes we are looking at are worth $250,000. Will we qualify for a loan

  63. Looking to get a non qm mortgage. I have a credit score of 720 and looking to put $100,000 down for a home worth $270,000. I have income but no document to prove it .

  64. Looking for Private Lenders, with NO upfront costs, that will lend in Canada for a Licensed Mortgage Agent. I’ve got deals from small 2nds of 95% LTV = $30K – projects up to $7M that need funding.

    I’m a licensed mortgage agent in Ontario, Canada looking for Private sources to fund deals in and across Canada. They would have to meet with the regulatory guidelines here in Canada, one of which is NO up-front fees. Monies can be held in trust accounts with client’s lawyers, only to be contraed off the proceeds, otherwise nothing can be charged in advance.

    Please advise if this is something you will do, as I have deals in-hand that I need to close. They include the following:

    1. 95% LTV 2nd Mortgage BFS looking for $30K
    2. $1,050,000 SBL Refinance Name Brand Business
    3. $3M & $3.5M Purchase & Development Projects
    4. $5M Refinance Project – Multi Use Property
    5. $3M Construction Finance
    6. $7M Project

    And there are more. Let me know if any of these are of interest to you to fund.

    If you are this Lender, please contact me.

  65. Looking for a 10% down Jumbo. 540k purchase price. 710 Fico. 10% will be gift and will have 10% of own funds as reserves. Had short sale in July of 2012. The closing date is july 22nd 2016. Current Commission income and 2015 20% DTI….when average in 2014 about 35 DTI.

  66. looking for single family, owner-occupied LTV 80-85% 30 yr jumbo fixed mortgage, grade A paper for a full doc, 740 plus mortgage FICO. Have 2 1/2 chapter 7 discharge. (Or may need to wait until the 4 years are up). Mortgage around 1.2M. San Jose area, Calif.

    1. I can do this with a BK from 2 years ago. rate is in the 5s due to BK. cedit & full doc help but the BK hurts. The more years you get under your belt, the better the rate gets. – 951-268-9050

  67. Would like lender that I can use to leverage existing rental properties or to purchase REO or at courthouse steps properties with 60% LTV or better in A/B class neighborhoods. Have low reserves, ~650 credit, high DTI, 9 years of income, 10 existing secured loans, and would be using the funds to buy and hold in 20k-100k range. Prefer low closing costs, 15 to 30 year term and 3% to 6.5% rate.

  68. We are looking for a company that offers correspondent non-warrantable condo financing options. We currently have an immediate need in the Florida market. The main issue is the weekly rentals advertised online for a complex. Even though our borrower may be purchasing as a second home, this prevents us from obtaining financing. We will consider brokered options but prefer correspondent.

  69. 1st Time Home Buyer…closing within 30 days!

    Seeking down payment assistance, mortgage and closing cost for a newly built 1 bedroom condo 906 sq ft ($114,000) in NJ.

    Estimated HOA Fee- $330/month
    Estimated Tax Amount- $70/month ($837/year)

    Income $39k yr
    Credit score 719
    Same job 13 yrs
    Debt to Income 50%-53%

    I co-signed for a leased car in Feb. 2016 but do not make the payments and have proof of payments (4478) by the main owner. I have a personal loan for $7,000 and paying $290 monthly. No other debt.

    I’m open to emails from any mortgage companies able to assist. Thanks!

    Oneil157 @ yahoo .com

  70. SG Capital Partners offers a variety of non-agency & non-QM options via Correspondent partnerships for interested partners.

  71. Looking for an 80-10-10 wholesale lender to do the 2nd for us or We are looking for a jumbo 90% option …purchase price 520k, Chino, CA property in San Bernardino County, 417k Conv 1st, 2nd to be 49k…need info on which lender we can partner with to do this loan. thank you

    Zeshan Q.
    702-321-9031

  72. I am looking for a correspondent lender who can hold onto loans for a new condo complex until they become warrantable. 12 buildings, 96 total units.

    1. looking for a non-qm primary residence w/ several acres of crop land DOES NOT fit traditional loans, decent credit, & self employeed..Any Lenders to help???

  73. I am seeking a no doc staed jumbo loan, self employed with a 740 fico score, o debt with a LVT low with a good interest rate.

  74. Here are a few Oaktree Funding Corp. Product Highlights
    NON-AGENCY
    95% LTV NO MI 720+
    90% Cash-Out 720+
    90% Alt-Doc 760+ (12 or 24 months bank statements)
    85% Alt-Doc 680+ (24 months bank statements)
    80% Alt-Doc 580+ (24 months bank statements)
    80% LTV 540+ Full Doc
    Loan Amounts from 100K-2.5Million
    Interest Only Options 620+
    1 Day Seasoning on Foreclosure/Short Sale/DIL Options
    1 Year Seasoning on BK Options
    2nd Mortgage’s w/CLTV 95% (can go behind OFC Conf./Platinum 1st) – Contact Jay 901.289.0344

    1. Hello jay,

      I am purchasing a new home owner occupied, I am self employed for over three years, debt ratio under 40 with stable bank statement verifying min 14,000 to 27,000 monthly. Credit score over 780, no lates or collection. Are you able to do this. I signed a contract and need to close by January 7. My email is candiloan@yahoo.com

  75. Advancial Wholesale offers Non-QM products as well.

    • Jumbo financing up to $3,000,000.00
    • Conforming Loan Balances
    • Non-warrantable Condo and Condotel financing
    • Co-ops
    • Expatriate program (work visa) available. No US credit required
    • Foreign Nationals
    • Cash out refinances with $1,000,000 cash in hand (some exceptions apply)
    • Cash out refinances on properties recently purchased with cash (no seasoning required)
    • Acreage and unique properties
    • Asset based loan qualifications
    • All occupancy types
    • Products available in all 50 states

    1. My husband and I are trying to purchase a rural home on 36 acres of agricultural land and the home needs repairs. We cannot find any typical mortgage that will finance such a property. Is this something your company may be able to do? Thank you

    2. Hello my name is Margaret from Wholesale Capital and I am interested in your Non Warrantable condo product can you please has someone reach out to me. Thank you

    1. We have a new non QM loan as well as Alt-Doc loans.
      We are an FDIC Bank on the NYSE:BANC

      We have a new QM loan that is as competitive as any of the major banks without the hassle.

      I look forward to hearing form you.

      Todd

      1. Have recent appraisal of lake home 895000..
        916000 cost…
        351000 1st…10 yr loan due feb16
        Will covert fixed soon
        Like loan of 585k..cas ou
        840 credit score
        Cant verify income

      2. Todd,

        Please let me know what your can do. I have a recently purchased 4 plex via private money at 9%. Looking to rate refi, property is rural. Refi $150k at 55%ltv. Self employed real estate investor of 14 years. Strong assets, higher dti.

        1. looking for non QM loan $225k primary residence with 20%down, income verification. Foreclosure on joint owned property less then year ago with 2 late payments in 2016 due to divorce.

  76. Mega Capital Funding offers, Non QM, Non-Prime, Stated Income for SE Borrowers, Bank statement programs, Stated JUMBO, Investors (Rental Income Only) Much more

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