Not every strong borrower fits neatly inside conventional guidelines.

A past credit event, a lower credit score, or a file that simply needs a closer look can stop an otherwise solid loan before it starts.

That's exactly where Non-QM financing earns its place.

One option worth exploring is the Non-QM Core Flex Program, which offers flexible credit requirements and multiple property options for eligible borrowers looking for solutions beyond traditional mortgage guidelines.

What Is the Non-QM Core Flex Program?

• Core Flex is a Non-QM (non-qualified mortgage) financing option built for borrowers who may not meet traditional agency guidelines.

• It's designed around flexible credit requirements, with minimum FICO scores starting at 500.

• The program supports purchases, rate/term refinances, and cash-out refinances across a range of property types.

Program Highlights

Depending on investor guidelines, Core Flex offers:

500 Minimum FICO

• Flexible credit requirements for borrowers who are rebuilding or whose scores fall below conventional thresholds.

Up to 65% Max LTV

• A meaningful equity position or down payment helps offset credit flexibility.

Loan Amounts Up to $1.25M

• Minimum loan amount of $200,000.

45% Maximum DTI

• Debt-to-income is capped at 45%, subject to underwriting review.

Program Features

• Loan Purposes: Purchase, Rate/Term Refinance & Cash-Out

• Eligible Property Types: SFR, 2–4 Unit, PUD & Condo

• First-Time Homebuyers: Allowed with a 580+ FICO

• Manual Underwriting: Available

• Reserves: Minimum 6 months' reserves (cash-out proceeds allowed, subject to guidelines)

• Additional Financed Properties: 2 additional months' reserves per additional financed property

Who Might Benefit From Core Flex?

This financing option may be worth exploring for several types of borrowers:

Borrowers Rebuilding Credit

• Individuals with past credit challenges whose scores don't meet conventional or agency minimums.

First-Time Homebuyers

• Buyers with a 580+ FICO who are ready to purchase but need more credit flexibility than traditional programs allow.

Equity-Rich Homeowners

• Owners with substantial equity looking to refinance or access cash-out within program LTV limits.

Borrowers Who Need Manual Underwriting

• Files that don't fit automated approval engines but still make sense when reviewed by an underwriter.

Why Consider Non-QM Financing?

• Every borrower has a different financial story.

• Conventional guidelines work well for many files, but they don't always account for the full picture behind a credit score.

• Non-QM programs provide additional ways to evaluate borrowers based on their unique circumstances.

• For borrowers with credit flexibility needs and solid equity or down payment, Core Flex may open a path to financing that traditional programs can't.

Explore Your Mortgage Options With Tag Lending Group

• At Tag Lending Group, we understand that mortgage financing isn't one-size-fits-all.

• Whether you're rebuilding credit, buying your first home, or tapping into your equity, our team can help you explore financing options that align with your financial goals.

• If your credit profile has kept you on the sidelines, the Non-QM Core Flex Program may be worth considering.

• Ready to Explore Your Mortgage Options?

Schedule a Meeting With Anthony Angelillo

Let's TAG TEAM This Deal!

Disclaimer: All loans are subject to credit approval, underwriting requirements, income and asset verification, property eligibility, investor guidelines, and program availability. Program features represent maximum or minimum eligibility parameters and may vary based on borrower qualifications, loan purpose, occupancy, and property type. Not all borrowers will qualify. Tag Lending Group, LLC | NMLS #2329372 | Equal Housing Opportunity.

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