Titan Flex: The Game-Changing Loan Program Every Realtor Should Know About

In today’s real estate market, one thing is clear: flexibility is power. Whether you’re helping a first-time homebuyer, a self-employed entrepreneur, or a seasoned investor, finding a loan program that adapts to unique financial profiles is the key to closing more deals. That’s exactly where the Titan Flex Loan Program steps in.

Unlike traditional mortgages that box clients into rigid qualification standards, Titan Flex breaks down those barriers. It’s designed for modern borrowers — the business owners, freelancers, and high-asset clients who don’t always fit the traditional mold. As a realtor, this means fewer declined applications, smoother closings, and happier clients who see you as their go-to problem solver.

Transitioning from conventional to Non-Qualified Mortgage (Non-QM) programs can open a new lane of opportunities for your business. And Titan Flex is leading that charge with innovative loan solutions that redefine what it means to “qualify.”

1. Understanding the Titan Flex Advantage

The Titan Flex program is a premier Non-QM loan option that caters to borrowers with unique income documentation needs. It’s perfect for clients who earn income in non-traditional ways,  think small business owners, consultants, or investors with substantial liquid assets.

This program offers multiple ways to qualify, including:

• 12-month bank statements

• CPA-prepared profit and loss statements

• One-year income documentation

• Full or express documentation

• Asset-based qualification

2. Key Highlights Realtors Will Love:

Every great loan program is defined by its perks — and Titan Flex doesn’t disappoint. Here’s what makes it stand out in a competitive lending landscape:

Flexible Loan Terms and Buydowns

• Borrowers can choose 1/0 or 2/1 rate buydown options, providing temporary rate relief that helps them ease into their mortgage. Realtors can confidently market homes knowing buyers have creative rate flexibility built into their financing.
• Additionally, 40-year fixed-rate terms and adjustable-rate mortgages (5/1 or 7/1 ARMs) provide clients with long-term options to suit their goals. Whether they plan to hold or sell in a few years, Titan Flex provides a structure that supports both strategies.

Alternative Qualification Paths

• Titan Flex shines when it comes to creative qualification. Borrowers can use liquid assets or supplemental income in place of traditional income documentation. Even assets from a non-occupant co-borrower can be used to strengthen their application — a game-changer for families or partners pooling resources.

High Loan Limits and Wide Eligibility

• With loan amounts up to $3.5 million, Titan Flex serves both luxury and investment markets. It also allows up to 80% LTV for second homes and 65% for investment properties, with no reserve requirements — making it easier for your buyers to move forward quickly.
• And here’s the icing on the cake: First-time buyers and first-time investors are welcome. This makes Titan Flex not only powerful for high-net-worth clients but also incredibly inclusive for aspiring homeowners.

3. How Titan Flex Empowers Realtors to Close More Deals:

• Let’s face it,  your success as a real estate professional depends on your ability to match the right buyer with the right financing. Titan Flex helps you do just that, seamlessly.
• Imagine this scenario: your client is a small business owner with irregular income but significant savings. They’ve been declined by traditional lenders who only look at W-2s. Instead of losing the deal, you connect them with a Titan Flex lender who can qualify them using bank statements or assets. The result? A closed sale, a grateful client, and a stronger referral base.
• This program also helps you establish credibility as a knowledgeable and resourceful agent. When you introduce financing options that others overlook, you become the professional who “makes things happen.” And in a competitive market, that reputation is priceless.
  
  

4. Who Benefits Most from Titan Flex?

Titan Flex is a perfect fit for a wide range of clients — especially those with complex financial pictures. As a realtor, knowing your audience helps you market properties more strategically and pair buyers with the right loan options. Here are some ideal candidates:

• Self-Employed Borrowers: Entrepreneurs, freelancers, or gig workers with strong cash flow but limited tax-documented income.

• Investors: Buyers expanding their real estate portfolios, even for the first time.

• High-Asset Individuals: Those who prefer to leverage their liquid assets rather than income for qualification.

• First-Time Buyers: New homeowners who may have non-traditional income sources but are financially capable.

5. How to Get Started with Titan Flex

Integrating Titan Flex into your real estate strategy is simple:

1. Partner with a lender who offers Titan Flex loans.

2. Educate your clients about the flexible documentation options.

3. Include Titan Flex financing in your listings and buyer consultations.

4. Leverage success stories to attract new leads and demonstrate your expertise.

The real estate industry is evolving, and so are your clients. They expect smarter, more flexible options that reflect the realities of today’s economy. The Titan Flex Loan Program isn’t just another loan, it’s a bridge between potential and possibility.