Our Products
Non-QM Wholesale
Bank Statement Loans
12 and 24 Month: Assess the income-generating capacity of a property to determine its eligibility for financing, focusing on the property’s ability to cover its debt obligations.
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P&L Only Loans
Considers a borrower’s profit and loss statement as the primary factor for loan approval, providing flexibility for self-employed borrowers or those with irregular income streams.
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DSCR Loans
Assess the income-generating capacity of a property to determine its eligibility for financing, focusing on whether the property will be able to to cover its debt obligations.
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Asset Utilization Loans
This program is for individuals with non-traditional income sources, like the self-employed, entrepreneurs, retirees, and investors. It lets them use personal assets to qualify for a mortgage, offering flexibility in securing financing.
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ITIN Loans
Our ITIN program is a great solution for those with an Individual Taxpayer Identification Number but no Social Security Number. This program allows you to expand your business by making homeownership more accessible for non-U.S. citizens.
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WVOE Loans
The WVOE loan program is perfect for borrowers whose income is verified by a Written Verification of Employment (WVOE) form, completed by their employer. No tax returns required, making it a flexible option for unique income situations.
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HELOCs
Help your clients unlock their home’s equity with a HELOC! Funds can be used for renovations, debt consolidation, or unexpected expenses. With competitive rates and flexible repayment terms, a HELOC provides the financial freedom they need to reach their goals and manage their budgets.
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Closed-End Seconds
Closed-end second mortgages are loans secured against a property that are issued as a lump sum and must be repaid in fixed monthly installments over a set term. Unlike open-end home equity lines of credit, these loans do not allow for additional borrowing once the initial amount is disbursed.
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Foreign Nationals
Do you have clients that are non-citizen clients interested in buying a second home or a property for business purposes? Our Foreign Nationals Loan Programs are tailored for purchasing second homes, vacation properties, and investment real estate for individuals without U.S. citizenship.
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