{"id":4318,"date":"2025-01-16T12:39:15","date_gmt":"2025-01-16T12:39:15","guid":{"rendered":"https:\/\/nysck.com\/NonQmMortgage.com\/?page_id=4318"},"modified":"2025-02-28T13:26:08","modified_gmt":"2025-02-28T13:26:08","slug":"refinance","status":"publish","type":"page","link":"https:\/\/nysck.com\/NonQmMortgage.com\/refinance\/","title":{"rendered":"Refinance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;Page Header&#8221; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/nysck.com\/NonQmMortgage.com\/wp-content\/uploads\/2023\/09\/banner-mortgage-calculators-v3.jpg&#8221; parallax=&#8221;on&#8221; animation_direction=&#8221;top&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_header title=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@&#8221; text_orientation=&#8221;center&#8221; 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disabled=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;40px&#8221; text_orientation=&#8221;justified&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Refinance Program<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;justified&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus semper, diam id fringilla lobortis, magna est condimentum justo, non euismod eros lorem tincidunt ex. Nullam hendrerit tincidunt metus id suscipit. Vestibulum maximus risus pretium sem gravida, at porta sapien tempus. Aenean rhoncus lacinia enim, vitae hendrerit ipsum. Sed et erat quis erat semper ultrices. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Maecenas vulputate mollis metus. Sed interdum, nisl et posuere gravida, diam nisl imperdiet tellus, eget consequat enim mi at nisi. Vivamus mollis urna dui, non blandit libero volutpat non. Morbi imperdiet dolor non ipsum tempor ullamcorper. Integer sit amet pharetra diam.<\/p>\n<p>Aenean luctus, nibh quis lacinia viverra, tellus risus volutpat ex, eu fringilla metus ipsum in metus. In at ipsum hendrerit, finibus nisi eget, rutrum mauris. Aliquam urna massa, finibus id dictum eu, elementum a ante. Nunc iaculis dolor lacus, sed euismod tellus sollicitudin et. In hac habitasse platea dictumst. Nulla elementum justo non tortor varius molestie. Integer est nulla, dictum a lacinia quis, malesuada eu ante. Mauris faucibus orci et placerat vulputate. Ut porta lectus felis, eget molestie purus dignissim quis.<\/p>\n<p>Cras tincidunt efficitur nisi, varius porttitor odio egestas in. Suspendisse accumsan vulputate sem sit amet congue. Integer blandit cursus commodo. Curabitur tristique, libero fermentum consectetur congue, orci justo porttitor leo, eu semper mi velit et orci. In purus augue, feugiat eu quam nec, euismod dapibus massa. Sed vulputate enim diam, eget posuere nisl dapibus quis. Vivamus sed feugiat nibh. Aliquam fringilla, nibh sed vehicula iaculis, nunc ligula aliquam nisl, sed vehicula nunc libero in orci.<\/p>\n<p>Praesent condimentum auctor tempor. Maecenas id efficitur odio, a rutrum arcu. Duis pharetra lacus at consectetur accumsan. Vestibulum euismod risus id ex hendrerit, nec porttitor nunc efficitur. Aliquam ullamcorper sem at vestibulum feugiat. Ut ultricies est sed massa consequat faucibus. Duis imperdiet lectus a tortor semper, non aliquam dui egestas. Nulla lobortis, lorem nec finibus sollicitudin, nunc eros lobortis massa, non auctor est eros non tellus. Maecenas vel eros in sem posuere condimentum nec vitae lectus. Morbi egestas lectus purus, vel molestie libero elementum at. Suspendisse vel rutrum neque.<\/p>\n<p>Donec eu est in lorem imperdiet tempor. Pellentesque sed odio eget risus consectetur condimentum. Sed ante elit, tempus sit amet sodales non, tincidunt molestie felis. Morbi elit nisl, gravida quis ultrices non, ullamcorper a neque. Sed rhoncus lacinia tempus. Aenean ac varius odio. In scelerisque a nunc in euismod. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6Ijc3MSJ9fQ==@&#8221; button_text=&#8221;Fast Quote&#8221; button_alignment=&#8221;center&#8221; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.27.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#009476&#8243; button_border_color=&#8221;#009476&#8243; disabled=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#009476&#8243;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.2em&#8221; link_text_align=&#8221;center&#8221; link_text_color=&#8221;#000000&#8243; link_font_size=&#8221;30px&#8221; link_line_height=&#8221;1.2em&#8221; header_4_text_align=&#8221;center&#8221; header_4_font_size=&#8221;30px&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;50px||50px||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; link_font_size_tablet=&#8221;30px&#8221; link_font_size_phone=&#8221;18px&#8221; link_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;30px&#8221; header_4_font_size_phone=&#8221;18px&#8221; header_4_font_size_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Have Question or Need Help?<\/h4>\n<p class=\"call-now\">Call us now at <a href=\"tel:8008197988\">(800) 819-7988<\/a><\/p>\n<p><a class=\"btn-contact\" style=\"color: #fff !important;\" href=\"https:\/\/nysck.com\/NonQmMortgage.com\/contact\/\">Contact Us<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nysck.com\/NonQmMortgage.com\/wp-content\/uploads\/2025\/01\/Side_Banner_21.jpg&#8221; alt=&#8221;DSCR Loan Saves the Day&#8221; title_text=&#8221;Side_Banner_21&#8243; url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI2In19@&#8221; disabled_on=&#8221;off|off|off&#8221; module_class=&#8221;img-1-1&#8243; _builder_version=&#8221;4.27.4&#8243; _dynamic_attributes=&#8221;url&#8221; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Page Content&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;40px&#8221; text_orientation=&#8221;justified&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Refinance Non-QM Mortgage Programs<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>When using a NonQM Mortgage means that the loan does not qualify for conventional or FHA financing. There are many reasons why a loan can use a NON-QM mortgage product. From avoiding PMI at 90 LTV or using a 12-month bank statement program for those not qualifying with current income structure, or even if the credit score is below conventional reach, non-QM loans are the only path to obtaining mortgage financing.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>Bank Statement Loans<\/h6>\n<ul>\n<li>12 or 24 month; business or personal<\/li>\n<li>Up to 90% LTV<\/li>\n<li>Variable expense factor used, resulting in more qualifying income<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>DSCR\/Investor Loans<\/h6>\n<ul>\n<li>Up to 85% LTV<\/li>\n<li>Interest Only options, helping more borrowers qualify<\/li>\n<li>Table Funding available<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>Condo Loans<\/h6>\n<ul>\n<li>Up to 90% LTV with a 700 FICO score (not available on non-warrantable or condotels)<\/li>\n<li>Up to 75% LTV non-warrantable condos<\/li>\n<li>Up to 75% LTV condotels<\/li>\n<li>Loan amounts up to $4,000,000<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>Foreign National Loans<\/h6>\n<ul>\n<li>Up to 75% LTV<\/li>\n<li>Loan amounts up to $2,000,000<\/li>\n<li>SFR. 2-4 unit, and condos<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>Asset Qualifier &amp; Asset Income Lift Loans<\/h6>\n<ul>\n<li>Up to 80% LTV<\/li>\n<li>Utilize borrower&#8217;s assets to qualify<\/li>\n<li>Can be combined w\/other income such as W2 and bank statements<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>Bridge Star Loans<\/h6>\n<ul>\n<li>Our Bridge Star Loan will pay off the existing loan and provide cash required for the down payment on your new home<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>1099 Loans<\/h6>\n<ul>\n<li>No tax returns required<\/li>\n<li>10% expense factor used<\/li>\n<li>First Time Homebuyers welcomed<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>No Minimum DSCR<\/h6>\n<ul>\n<li>Up to 75% LTV<\/li>\n<li>2-4 unit and condos allowed<\/li>\n<li>Minimum loan amount $150,000<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|700|||||||&#8221; header_6_text_color=&#8221;#213959&#8243; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h6>1 Year P&amp;L Product<\/h6>\n<ul>\n<li>Up to 80% LTV on purchase<\/li>\n<li>Minimum 700 FICO score<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6Ijc3MSJ9fQ==@&#8221; 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_builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nysck.com\/NonQmMortgage.com\/wp-content\/uploads\/2025\/02\/Side_Banner_21-1.jpg&#8221; alt=&#8221;DSCR Loan Saves the Day&#8221; title_text=&#8221;Side_Banner_21 (1)&#8221; url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI2In19@&#8221; disabled_on=&#8221;off|off|off&#8221; module_class=&#8221;img-1-1&#8243; _builder_version=&#8221;4.27.4&#8243; _dynamic_attributes=&#8221;url&#8221; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Refinance ProgramLorem ipsum dolor sit amet, consectetur adipiscing elit. 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