Bank Statement Loans (Non-QM)

Worried about a low credit score or not being able to afford a large down payment? With less strict requirements, a FHA home loan may be the right loan for you.

VA loans are government-backed loans intended to help eligible service members, veterans, and military spouses to purchase homes. These loans come with great rates and payment terms, and require no down payment. Are you an active military member, veteran, reservist, or surviving spouse? You may be eligible for a VA loan!

Need a bigger loan for your property? Then a jumbo loan might be right for you. While similar to conventional loans, jumbo mortgages exceed the amount of conventional conforming loan limits. With larger loans come increased risk, so keep in mind that jumbo loan qualification requirements can be stricter.

Purchase and fix up your dream home with a rehab home loan. A rehab loan lets you include the cost of home improvements and repairs into a new home loan. Finance your home’s purchase price and any repairs or upgrades to be made in one mortgage.

The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!

Many homeowners lack the standard or continuous sources of income required by mortgage lenders. However, even if they are unable to qualify for conventional loans for a variety of reasons, these buyers may have sufficient income or assets to afford homeownership. In certain cases, a non-qualified mortgage (non-QM) could be the solution.

Foreign national loans are designed for non-U.S. citizens who want to buy property in the United States. These loans are for people who aren’t permanent residents or don’t have a green card.

Commercial loans are financing options for businesses. Unlike residential mortgages, they use commercial properties as collateral. Typically taken by business entities, these loans help expand workspace and grow businesses.

A reverse mortgage lets homeowners tap into their home equity. Unlike traditional mortgages, you get paid by the lender. Payment options include monthly installments, lump sum, or a line of credit.