Non-QM Lending Partner (Non-Qualified Mortgage)
Stop Turning Away Borrowers
We close the loans your guidelines will not approve
When a buyer is Self Employed, credit invisible, or using an ITIN, you do not have to say no.
Send those files to us and keep the relationship.
We are your Non QM partner for the borrowers who do not fit the standard box, so you keep more clients and more commission instead of turning them away.
- Keep your Realtors happy by getting their tough deals closed
Real Support, Real People
Meet Your Account Rep
Turn-Time Snapshot
Speed That Keeps Your Realtors Referring
days
2-3
Avg. Underwriting
days
7-10
Clear-to-Close
The Solution
You Have the Lead. We Have the Loan.
You know the scenario: A hardworking client walks in with a 10% down payment and solid income, but they get rejected due to thin credit or ITIN status.
Don't say "No."
Say "I have a partner for that."
- We specialize in verifying the "unverifiable."
No Credit Score Needed
We verify creditworthiness through alternative methods
ITIN & International IDs Accepted
Open doors for immigrant borrowers ready to buy
Gig Economy & Self-Employed Friendly
We understand modern income verification
The Solution
Designed for Speed & Simplicity
Clear guidelines. Fast decisions. Get your clients into their homes.
DP
10%
Only 10% Down Payment required
DTI
Up to 43%
Flexible debt-to-income ratio
Loan Limits
No Cap
Loans >$500k subject to special review
Occupancy
Owner-Occupied
Primary residence only
Property Types
All Residential
SFH, Condos, Townhomes, Apartments, Tiny & Mobile Homes
Process
Fast & Simple
Streamlined underwriting
Geographic Footprint
Where We Lend
We are fully licensed and ready to fund across these states
IN
Indiana
TX
Texas
GA
Georgia
NM
New Mexico
CO
Colorado
MI
Michigan
MO
Missouri
KS
Kansas
TN
Tennessee
NE
Nebraska
More states coming soon. Contact us for updates.
Simple Documentation
If Your Borrower Has These, We Can Likely Fund Them.
We don't overcomplicate the underwriting. Here's what we need to see:
Income
Proof of income for last 2 years (1099s, W-2s, Paystubs, or Bank Statements)
Rent
Proof of rent for last 2 years (Landlord letter + payment history)
ID
Government Issued ID (International ID accepted) + ITIN or SSN
Taxes
Last 2 Years Filed Federal Tax Returns (1040 + Schedules)
Assets
Proof of 10% Down-Payment Funds (Cash, gift funds, verified reserves)
"Our goal is to help you save the relationship with your Real Estate partners by providing a solution for every client they send your way." - Efri Argaman
NMLS #1670474
Ready to Get Started?
