In a housing market that’s constantly evolving, adaptability is essential. Many financially capable borrowers are turned away by conventional lending guidelines, leaving realtors and loan officers searching for better, more inclusive options.

That’s where the Full Doc Non-QM Program makes all the difference. It’s a smarter, more flexible lending solution designed to empower both borrowers and real estate professionals. This program moves beyond traditional “check the box” lending and focuses on the borrower’s full financial picture.

Unlike conventional loans that rely heavily on credit scores or standardized underwriting, the Full Doc Non-qm approach evaluates a borrower’s actual ability to repay. This allows self employed individuals, investors, and credit rebuilding buyers a fair chance at homeownership.

For real estate professionals, that flexibility means more approvals, more satisfied clients, and more closed transactions. It’s a true competitive edge in today’s market.

The Power Behind Full Doc Non-QM:

• The Full Doc Non-QM Program bridges the gap between conventional and alternative financing. It combines responsible lending with unmatched flexibility to help buyers achieve their goals without unnecessary barriers.

High Loan Limits and Flexible Terms

• With loan amounts up to $4 million, the program accommodates a wide range of clients, from first-time buyers to luxury homeowners. Borrowers can qualify with DTIs up to 55%, providing more room to plan and manage their budgets.
• Multiple term options, including 30-year and 40-year fixed rates as well as 5/6 and 7/6 ARMs, allow for customized solutions based on each borrower’s needs. Whether it’s a primary residence, second home, or investment property, the Full Doc Non-QM Program adapts easily to different scenarios.

No Credit Score? No Problem

• Borrowers with no credit score or a FICO as low as 620 can still qualify. This opens the door to creditworthy buyers who might otherwise be excluded by traditional programs.
• By focusing on documented income and overall financial strength, the program empowers responsible borrowers who may not fit conventional molds. It helps turn “not yet” into “approved.”
  
  

Cash Out Flexibility and Property Options:

The Full Doc Non-QM Program also offers excellent flexibility for cash-out refinances and property types. With up to 80% CLTV, borrowers can access equity while maintaining strong loan-to-value positions.

Cash out options include:

• Up to $500,000 for CLTVs above 65%

• Up to $1,000,000 for CLTVs between 55% and 65%

• No limit for CLTVs below 55%

Eligible properties include condos (up to 85% CLTV) and condotels (up to 75% CLTV), allowing a broader range of real estate opportunities in both traditional and high demand markets.

This combination of flexibility and reach makes it easier for borrowers to achieve their financial goals and for realtors to expand their client base with confidence.

How Realtors Benefit: Turning Flexibility Into Closings:

• Every successful real estate transaction starts with the right financing strategy. The Full Doc Non-QM Program gives agents the tools to help more buyers qualify, which ultimately leads to more closed deals.

Helping More Buyers Qualify

• Traditional loans often leave self-employed professionals, investors, or borrowers with minor credit challenges without options. The Full Doc Non-QM Program changes that narrative.
• By evaluating the full financial story rather than just a credit score, realtors can guide clients toward homeownership even when conventional lenders say no. It’s an opportunity to help families, entrepreneurs, and investors move forward with confidence.

Building Trust Through Solutions

• When agents can present more options, they build stronger relationships. Clients appreciate realtors who bring solutions instead of setbacks and who understand the value of flexible lending.
• By offering the Full Doc Non-QM Program, real estate professionals position themselves as trusted advisors who can open doors for clients that others cannot. That reputation builds long-term partnerships, repeat business, and a steady stream of referrals.

Who It’s Made For: Borrowers Who Shine with Full Doc Non-QM:

• The Full Doc Non-QM Program is designed for borrowers who can document their income but don’t fit conventional financing requirements.

Self-Employed and Independent Professionals

• Freelancers, entrepreneurs, and small business owners often have strong income but lack traditional W-2 documentation. This program allows them to use verified income documentation to demonstrate their ability to repay without being penalized for their independence.
• This approach helps realtors serve a growing segment of buyers who have been underserved by traditional mortgage standards.

Buyers Rebuilding After Credit Events

• Life happens, and financial setbacks don’t have to mean the end of homeownership opportunities. With just 12 months required after a credit event, qualified borrowers can return to the market sooner.
• This feature allows realtors to work with more active buyers and help clients rebuild and reinvest through real estate faster than ever before.

The Full Doc Non-QM Program is more than a loan option. It’s a pathway to empowerment. It represents inclusion, adaptability, and opportunity for those who deserve a chance to own or invest in real estate.

By offering this program, TAG Lending Group expands access to homeownership, supports realtors in closing more deals, and provides clients with flexible financing that fits their true financial story.

Together, TAG Lending Group is reshaping what’s possible in mortgage lending, one approved client at a time.

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