NON-QM CORE FLEX PROGRAM
Alternative home financing with flexible credit requirements and multiple property options, helping eligible borrowers explore solutions beyond traditional mortgage guidelines.
Program Overview
The Non-QM Core Flex Program offers alternative home financing options with flexible credit requirements and multiple property options. It is designed to help eligible borrowers whose credit profile falls outside traditional agency guidelines explore purchase, rate/term refinance, and cash-out solutions, with manual underwriting available.
Program Features
Purchase, rate/term refinance & cash-out
SFR, 2–4 unit, PUD & condo eligible
Minimum loan amount: $200,000
First-time homebuyers allowed (580+ FICO)
Manual underwriting available
Minimum 6 months' reserves (cash-out proceeds allowed, subject to guidelines)
Additional 2 months' reserves per additional financed property
Why Choose This Program?
Credit flexibility down to a 500 minimum FICO
One program covers purchase, rate/term refinance, and cash-out
Broad property eligibility — SFR, 2–4 unit, PUD, and condo
Manual underwriting for files that need a closer look
Cash-out proceeds may be used toward reserves, subject to guidelines
*All features are subject to investor guidelines and underwriting approval.
Who This Program Is Great For?
Borrowers whose credit scores fall below traditional agency minimums
First-time homebuyers with a 580+ FICO
Homeowners looking to refinance or access equity through cash-out
Buyers of condos, PUDs, or 2–4 unit properties
Borrowers with additional financed properties who can meet reserve requirements
Files that benefit from manual underwriting
Download Loan Program
Preview the Non-QM Core Flex Program sheet and download the full program details, including credit, LTV, loan amount, reserve requirements, and eligible property types.
Co-Brand Loan Program
Access the co-branded Non-QM Core Flex Program marketing material to share with your clients and referral partners.
Need Help Structuring a Non-QM Core Flex Loan?
Connect with a loan officer to review the credit profile, property type, and reserves, and see whether the Non-QM Core Flex Program is the right fit for the scenario.
Connect To A Loan OfficerThis material is for informational purposes only and does not constitute a commitment or guarantee to lend. All financing is subject to credit approval, income and asset verification, property eligibility, investor guidelines, and underwriting approval. Advertised program features represent maximum or minimum eligibility parameters and may vary based on borrower qualifications, loan purpose, occupancy, and property type. Rates, fees, and program terms are subject to change without notice. Geographic restrictions and additional conditions may apply. Not all borrowers or properties will qualify. Tag Lending Group, LLC | NMLS #2329372 | Equal Housing Opportunity.