4.7 Stars | 597 reviews
4.7 Stars | 3 177 reviews

#1 Non-QM lender in the US

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Our awards

2024, Globee Awards
National Winner for AI in Mortgage
2024, NMP
2024 Originator Choice Awards
2024, Scotsmans Guide
#1 Non-QM Lender
2024, Stevie Awards
Innovating Mortgage Technologies
Solutions for any scenario request

Programs that fuel your growth

Second Mortgage

Min. FICO 680 Up to 85% CLTV
A solution to secure additional funding with existing equity 
  • Loan amounts up to $500,000 
  • DTI up to 50%
  • Owner-occupied, second home, or investment
  • Min FICO 680 
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DSCR

Min. FICO 620 Up to 80% CLTV
Close DSCR loan with the fastest turn times in the industry
  • Credit for DSCR >1.25
  • No income no employment
  • Short-term rentals up to 80% CLTV
  • DSCR as low as 0
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12/24 Month Bank Statement

Min. FICO 620 Up to 90% CLTV
A perfect fit for self-employed borrowers
  • Personal, business, or combined bank statements
  • Min. 3 months of reserves
  • Concierge Service for income calculation
  • Min FICO 620
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ITIN

Min. FICO 660 Up to 80% CLTV
Expand your mortgage portfolio for borrowers without an SSN
  • Min FICO 660 and up to 80% CLTV for Super Prime
  • Min FICO 700 and up to 70% CLTV for DSCR 
  • Loan amounts up to $1.5 million 
  • Max cash-in-hand $500,000 for CLTV >65%, $1,000,000 for CLTV ≤65% to ≥55%, no max cash-in-hand limitation for CLTV <55%
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1Y + 2Y P&L

Min. FICO 660 Up to 80% CLTV
The easiest alternative solution for self-employed borrowers
  • P&L reviewed by Licensed CPA, CTEC registered Preparer or IRS Enrolled Tax Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 million
  • Min FICO 660
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1Y or 2Y Full Doc Non-QM

Min. FICO 620 Up to 90% CLTV
A flexible Non-QM solution for Full Doc borrowers 
  • Loan amounts up to $4 million
  • DTI up to 55% on owner-occupied 
  • Min. 3 months of reserves
  • Min FICO 620 
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1099

Min. FICO 620 Up to 85% CLTV
An ideal loan for sole proprietors or contract individuals 
  • 1099s for the last 1 year
  • 1-year history with the same employer 
  • Gift funds allowed 
  • Loan amounts up to $4 million 
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WVOE

Min. FICO 620 Up to 80% CLTV
A loan solution for salaried borrowers with no tax returns 
  • Bank statements not required up to 70% LTV
  • Min. 3 months of reserves
  • No tax returns required 
  • A two-year history with the same employer is required
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Asset Utilization

Min. FICO 620 Up to 80% CLTV
An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed 
  • Qualifying assets / 60 months
  • Min. 3 months of reserves
  • Loan amounts up to $4 million 
  • Qualifying assets are 100% cash or money market, 100% from public securities, or 70% from retirement accounts
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Foreign Nationals DSCR

No score or FICO 660 Up to 70% CLTV
Qualify Foreign Nationals seeking investment properties with minimal documentation and fast closings
  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or no FICO
  • Up to 70% СLTV purchase / Up to 65% СLTV cash-out
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Foreign Nationals Full Doc

No score or FICO 660 Up to 75% CLTV
Qualify Foreign National borrowers with overseas income 
  • Loan amounts up to $3 million
  • Overseas assets allowed
  • RON allowed
  • Cash-out allowed 
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Conventional Standard

Min. FICO 620 Up to 97% CLTV
An affordable financing option with standard requirements
  • Loan amounts up to $806,500
  • DTI up to 50%
  • Minimum down payment 3%
  • LTV up to 97%
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Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
The perfect fit for borrowers with limited down payment capabilities
  • Loan amounts up to $806,500
  • DTI up to 50%
  • Primary residence
  • Minimum down payment 3%
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Freddie Mac Home Possible

Min. FICO 620 Up to 97% CLTV
An affordable mortgage option for low- to moderate-income individuals
  • Loan amounts up to $806,500
  • DTI up to 50%
  • Cancelable MI
  • Minimum down payment 3%
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Conventional High Balance

Min. FICO 620 Up to 97% CLTV
Qualify homebuyers seeking properties exceeding the standard limits
  • Loan amounts up to $1,209,750
  • DTI up to 50%
  • Primary, secondary homes, and investment
  • Minimum down payment 3%
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Fannie Mae RefiNow

Min. FICO 620 Up to 97% CLTV
A flexible refinance option with simplified underwriting
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%
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Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV
A flexible refinance option with simplified underwriting
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%
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Prime Jumbo

Min. FICO 680 Up to 80% CLTV
A solution for borrowers seeking large home loans
  • Loan amounts up to $2.5 million
  • DTI up to 45%
  • No MI required
  • Up to 80% СLTV purchase / Up to 75% СLTV cash-out
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FHA Standard

Min. FICO 620 Up to 97.75% CLTV
Qualify homebuyers with limited down payment capabilities
  • Loan amounts up to $498,257
  • DTI up to 55%
  • LTV up to 97.75%
  • A maximum LTV of 80% for cash-out refinances
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FHA High Balance

Min. FICO 620 Up to 97.75% CLTV
A mortgage option allowing for larger loan amounts in high-cost areas
  • Loan amounts up to $1,149,825
  • DTI up to 55%
  • Primary residence
  • LTV up to 97.75% 
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FHA Streamline Refinance

Min. FICO 640
Current FHA loan refinance solution with minimal requirements
  • Min. 6 payments on current FHA loan
  • Primary residence
  • No appraisal for stick-built properties
  • No DTI verification
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