Answer the following questions to get the ball rolling to purchase of refinance your home using Alternative Options.
We will review your questions and help guide you through the Non-QM Loan Process. We are there for you from first phone call, to first key turn and long after.
Alternative Income Options
Use Tax Returns, 1099s, Profit and Loss Statements, Bank Statements or Seasoned Assets to document income. Where Fannie Mae, Freddie Mac, FHA, VA and USDA will not serve, Non-QM can.
Want to buy an investment property but, not filing your income in a traditional manner? Perhaps our Investor Cashflow loan could help. No taxes, no pay stubs, simply qualify with the rental income on the new property.
Non-QM Loans 101
A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. Common examples include bank statements, 1099 Income or using your assets as income. Because of the more flexible qualification requirements, Non-QM loans open up more avenues of homeownership and real estate investment opportunities to a broader group of individuals.
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. Borrowers do not have to own 100% of the business. Self-employed borrowers represent an underserved market in the mortgage industry. Read more
Our Asset Qualifier loan product is for borrower’s to qualify using their liquid assets. We do not require employment, income or DTI to justify ability-to-repay. We qualify based on required assets that meet seasoning requirements. We have helped retirees, underserved self-employed, divorced with no income, and other borrowers with required seasoned assets to purchase or refinance.
An ITIN Mortgage Loan is designed for people who file taxes with an Individual Taxpayer Identification Number (ITIN) looking to purchase or refinance a home in the United States. A social security number is not always required, nor is a traditional credit score.
1099 Income Loans
Our 1099 income loan option is for underserved self-employed borrowers who are 1099, independent contract workers. Many freelancers, contractors, gig economy workers or other self-employed borrowers who file using W-9s cannot qualify for a mortgage under Agency guidelines. You can use 1099 earning statements in lieu of tax returns to qualify for a mortgage. Read more
Second Chance Loans
Don't let the past, dictate your future. We have Terrific solutions for a borrower with a previous bankruptcy, foreclosure or short sale. There is no requirement for time after the event and alternative income documents are accepted. Our investors know that everyone deserves a 2nd chance. Provide enough money for down payment, and you can start today. Read more
Jumbo Non-QM Loans
Our Non-QM Jumbo mortgage program is a competitively product for borrowers who miss qualifying under Prime Jumbo guidelines. Stop settling on your Real Estate needs because other lenders only offer Prime Jumbo. Our non-QM Jumbo loan allows our borrowers to purchase higher priced priced Real Estate.
NMLS # 4190
2808 West Broadway
Minneapolis, MN 55411
Complaints may be directed to:
Phone: (855) 906-6784 or