Do not comply with the Qualified Mortgage rule, better known as the ability to repay.


  • Interest-Only Non-QM Loans.
  • Stated Income: Ideal for borrowers who can’t provide fully documented income
  • Loans with DTI Ratios Above 43%: Many loans can still exceed 43% DTI and get the QM seal of approval.
  • 40-Year Mortgages and Neg-Ams.

 Product highlights

  • Credit scores as low as 500 
  • No seasoning for foreclosure, short sale, deed-in-lieu 
  • Up to 75% LTV
  • Loans up to $1 million
  • Non-warrantable condominiums allowed
  • Owner-occupied, second homes, and investment properties
  • No pre-pay penalty for owner-occupied and second homes.