A Non-QM second mortgage provides an excellent solution by allowing you to access your equity while keeping your existing first mortgage intact. We specialize in Non-QM second mortgage financing for borrowers who may not qualify under conventional lending guidelines.
Borrow Up to 90% Combined Loan-to-Value (CLTV)
Our latest Non-QM second mortgage program now allows qualified borrowers to finance up to 90% CLTV.
Income Documentation Options
- Full Documentation
- Self-employed with as little as 1 year in business
- 3-Month Bank Statement qualification
- 12-Month Bank Statement qualification
- 1099 Only Income
- Written Verification of Employment (WVOE)
- Asset Utilization, either as a standalone qualifying method or combined with other income sources
Financing Available for a Wide Range of Borrowers
- Primary Residences
- Second Homes
- Investment Properties
- DSCR-qualified investment properties
- ITIN Borrowers
- DACA Borrowers
Additional Program Highlights
- Up to 90% CLTV
- Loan amounts from $75,000 to $1,000,000
- No reserve requirements
- Competitive financing options for qualified borrowers
- Flexible underwriting designed around today’s borrowers
Contact us for more information about our Non-QM loan programs.
