Your Non-QM Partner

We Provide Solutions…

NewPoint Mortgage offers a tailored solution for almost any Non-QM lending scenario. Talk to us. Use our Quick Pricer. We will help you find a program that makes sense for you and your borrower.
  • 85% Bank Statements Lending
  • Interest Only Jumbo Products
  • No Income Verification – Investment
  • 90% Purchase Money
  • 80% ITIN
  • Foreign National
  • 600 FICO and Above
  • 2nd Chance Lending
  • Financing for Investors to Buy & Sell
  • Consumer Home Purchases & Debt Consolidation Programs

Non-QM Products

Bank Statement Mortgage

Bank Statement mortgage program is the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business.

ITIN Mortgage

Our ITIN income loan option is for self-employed borrowers who are 1099 earners not able to qualify for a full doc mortgage loan.

DSCR

DSCR mortgage program allows your clients to qualify based on rental analysis to determine property cash flow.

Foreign National Program

Same day approvals and closing within 10 business days of appraisal order.

Asset Depletion

Asset Qualifier mortgage product is for borrowers to qualify using their liquid assets. We do not require employment, income, or DTI to justify the ability to repay the loan.

Jumbo Mortgage

Jumbo mortgage product is a competitively priced loan option for borrowers purchasing homes outside of conforming limits.

Where We are Licensed

Arizona

Mortgage Banker License
#BK-1036259

Florida

Mortgage Lender Licence
#MLD2150

Georgia

Mortgage Lender License
#2249250

Maryland

Mortgage Lender License

New Jersey

Residential Mortgage Lender License

Pennsylvania

Mortgage Lender License
#100209

Virginia

Mortgage Lender License
#MC-7544

Illinois

Residential Mortgage License #MB-6761733

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.”

Illinois Community Reinvestment {Act Public Act 101-0657}

Texas

Mortgage Company License

“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT

NewPoint Mortgage LLC NMLS #2249250
NMLS Consumer Access Website: www.nmlsconsumeraccess.org