WHOLESALE
NonQM & Jumbo
SUBMIT.CLOSE.FUND.
ONLINE SIGN UP PACKAGE
ALPHA PRIME
Full Doc & Alt Doc
680 Min FICO
90% Max LTV
Seasoning: 48 Months
Loan Amounts to $3.0MM
ALPHA
Full Doc & Alt Doc
660 Min FICO
90% Max LTV
Seasoning: 12 Months
Loan Amount to $4.0MM
BETA
Full Doc & Alt Doc
580 Min Fico
85% Max LTV
Seasoning: 0 Months
Loan Amounts to $3.0MM
DELTA (Investor)
Full Doc, DSCR, & No Ratio
600 Min FICO
85% Max LTV
Seasoning: 24 Months
Loan Amounts to $5.0MM
OMEGA (Super Jumbo)
Full Doc & Alt Doc
720 Min FICO
70% Max LTV
Seasoning: 48 Months
Loan Amounts to $10.0MM
ZETA (Foreign National)
Full Doc, DSCR, Asset Depletion
No FICO Needed
75% Max LTV
Valid Passport
Loan Amounts to $3.0MM
JUMBO
Full Doc & Alt Doc
680 Min FICO
90% Max LTV
Seasoning: 48 Months
Loan Amounts to $3.0MM
GAMMA (Multi-Unit & Mixed Use)
DSCR, Full Doc
660 Min FICO
75% Max LTV
Seasoning: 12 Months
Loan Amount to $3.0MM
SIGMA (2nd Mtg & HELOC)
Full Doc & Alt Doc
660 Min Fico
90% Max LTV
Seasoning: 0 Months
Loan Amounts to $500K
FLIP (FIX & FLIP)
No Ratio
550 Min FICO
90% Max LTC
Options for Non-Experienced
Loan Amounts to $5.0MM
BRDG (BRIDGE)
Full Doc, DSCR, No Ratio
550 Min FICO
75% Max LTV
Quick Close
Loan Amounts to $10.0MM
CONSTRUCTION
Full Doc, DSCR, Alt Doc
620 Min FICO
75% Max LTV
Experience Required
Loan Amounts to $10.0MM
What We Offer?
Changing what brokers and lenders expect from a NonQM lender. We offer to our mortgage partners competitive pricing and will lower pricing to to win you the deal when needed.
If you are not currently signed up as a mortgage broker or banker contact us today. East sign up process, same day. Take advantage to of our processing services for NonQM and NICHE product.
Industry Expertise
Modern Process
Technology
Loan Options
Flexible Pricing
NonQM RATES
NonQM Rates (Full Doc, Alt Doc (Bank Statements, 1099, WVOE, Asset Utilization, DSCR, No Ratio)
MATRIX
NonQM Rates (Full Doc, Alt Doc (Bank Statements, 1099, WVOE, Asset Utilization, DSCR, No Ratio)
Niche RATES
NICHE Rates (Fix & Flip, Fix & Hold, Bridge, Private Money, DSCR, Ground Up Construction) & NICHE Matrix
We Believe in Broker Relations
FORMS
- NonQM Submission Form
- Fix&Flip (Hold) Bridge Submission Form
- Bridge Submission Form
- Business Purpose Submission Form
- Fix&Flip (Hold) Application
- Business Purpose & Exit Plan
- Intent to Proceed Business Loan
- Business Purpose Loan Questionnaire
- DSCR State License Req List
- Guaranty Agreement
- Appraisal Transfer Form
- Property Inspection Waiver Form
- CO Detectors, Smoke Alarms, & Water Heater Req.
- CA Tax Impound Schedule
- Wet & Dry States
- Rate Lock Procedure
- Branch Addition Form
- Trid FAQ
- Fix&Flip (Hold) Process
- Borrowers Cert & Auth Form
- Change of Circumstance Form
- Closing Disclosure CD Request
- Credit Report Inquiry Cert
- Electronic Doc Authorization
- Exception Request Form
- Settlement Service Provider List
- Verbal Verification of Employment
- VOM VOR
- Credit Card Authorization
- Texas Checklist
- Anti-Steering Disclosure
- Borrower Paid Comp Exception
- Change of Circumstance
- Gift Letter
- Interested Party Buydown
- Loan Estimate Requirements
- Processor Certificate
- Provider Request Form
- Purchase Contact Sheet
- Rate Lock Form
- Third Party Processing Registration
- Fix&Flip (Hold) Budget Worksheet
- Fix&Flip (Hold) Track Record
- Fix&Flip (Hold) Rental Portfolio
- Fix&Flip (Hold) Quick Calc
- Fix&Flip (Hold) Analyzer
- Bank Statement Calculator