Full Doc Non-QM Program
Flexible financing for borrowers with traditional income but unique credit situations. This program offers expanded options for prime and super-prime clients who need a more flexible path than standard conventional financing.
Program Overview
A strong solution for borrowers who have traditional income but need more flexibility around credit profile, loan structure, or property type. The Full Doc Non-QM Program offers expanded underwriting options while still using full documentation income qualification.
Program Features
Loan amounts available up to $4 million for eligible borrowers.
Debt to income ratios available up to 55%.
30 and 40 year fixed options are available.
5/6 and 7/6 ARM options are also available.
Uses traditional income documentation for qualification.
Available with no score or with FICO starting at 620, depending on scenario.
Why Choose This Program?
Built for borrowers with traditional income who still need more flexibility than standard QM options.
Helps prime and super-prime clients navigate unique credit situations more effectively.
Offers higher loan amounts for borrowers with larger financing needs.
Gives borrowers a choice of fixed and ARM structures for better payment planning.
Provides flexibility after prior credit events with options as soon as 12 months out in qualifying cases.
Supports condo and condotel opportunities that may not fit standard agency guidelines.
Who This Program Is Great For?
Borrowers with traditional income who need a more flexible loan solution.
Prime and super-prime clients with unique credit circumstances.
Clients looking for financing with higher loan amounts and broader underwriting flexibility.
Borrowers interested in 30 year fixed, 40 year fixed, or ARM options.
Clients purchasing eligible condos, New York condos, or condotels.
Borrowers who may qualify with no score or with FICO starting at 620.
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