Non-QM Loans

A Non-QM loan can be the perfect solution if your clients don't fit in the traditional qualifying criteria set by the GSEs. This can include self-employed borrowers or those with past credit issues.

Non-QM Standard

  • Program Overview
  • Bank Statement Standard
    • 12 or 24 month bank statements
    • Purchase, Refinance, & Cash-Out options
    • Max Loan Amount $4M
    • 640 Minimum FICO

Non-QM High Balance

  • Program Overview
  • Bank Statement High-Balance
    • Only Available in CA
    • High-Balance option up to $8.5 million Loan Amount
    • Purchase, Refinance, & Cash-Out options
    • 720 Minimum FICO

Non-QM Jumbo

  • Program Overview
  • Full Documentation Jumbo
    • 1 year income
    • Purchase, Refinance, & Cash-Out options
    • Max Loan Amount $4.5M
    • 640 Minimum FICO