Non-QM HELOC Program

We offer a few Heloc options, and here is one Heloc program that will be perfect for unconventional borrowers who want to use equity in their properties. The property can be an investment or a primary residence. We also offer this non-qm Heloc program for second homes. Whether you’re an investor, a foreign national, or a homeowner seeking alternative financing options, our Non-QM HELOC programs have something to offer.

HELOC Program bullets

• Flexible Income Verification Options: Our Non-QM HELOC programs accommodate various income verification methods, including Written Verification of Employment (WVOE), Profit & Loss (P&L) statements, bank statements, and Debt Service Coverage Ratio (DSCR). This flexibility ensures borrowers with non-traditional income sources can still qualify for a HELOC.
• No Ratio Investment and No Income Owner-Occupied Options: We offer programs that do not require a debt-to-income ratio for investment properties and no income verification for owner-occupied properties.
• First Lien Allowed: Our HELOC programs allow for first lien positions.
• Property Types: We cater to many property types, including 1-4 unit properties, Planned Unit Developments (PUDs), Single-Family Residences (SFRs), and condos.
• Occupancy Flexibility: Our programs are available for primary residences, second homes, and investment properties,
• Foreign National Eligibility: We welcome foreign nationals to take advantage of our Non-QM HELOC programs.
• Generous Loan Amounts: With loan amounts up to $500,000, our Non-QM HELOC programs provide substantial funding to meet various financial goals, from home improvements to investment opportunities.

Our non-QM HELOC programs are unique, and not every mortgage company can offer non-QM home equity lines of credit. Contact our office to speak to a loan specialist.