Your Non-QM Partner
We Provide Solutions…
- 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
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
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 WWW.SML.TEXAS.GOV