Discover the Flexibility of Non-Agency Programs\u00a0<\/u><\/p>\n
Our non-agency programs are tailored to meet the unique demands of unique borrowers who potentially do not qualify for a mortgage using the conventional route. Our Non-QM programs open up a galaxy of options for every borrower, ensuring we can find the perfect fit for your financial needs.<\/p>\n
One of the standout features of our offerings is our\u00a0P&L program<\/u><\/strong><\/em><\/a>, which requires no bank statements.<\/p>\n Program Highlights<\/strong><\/p>\n – Debt-to-Income (DTI) Ratio: We offer a generous DTI ratio of up to 50%, providing flexibility for borrowers with varying financial profiles.<\/p>\n – Credit Score Requirements: A minimum FICO score of 660 ensures access to our programs for a wide range of credit profiles.<\/p>\n – Buydown Options: Use 1\/0 or 2\/1 buydowns to manage your initial mortgage payments effectively.<\/p>\n – Loan Amounts: We offer a maximum loan of $3.5 million, accommodating modest and substantial borrowing needs.<\/p>\n – Loan-to-Value (LTV) Ratios: Enjoy up to 80% max LTV for purchase and rate\/term refinances, providing substantial borrowing power.<\/p>\n – First-Time Homebuyers (FTHB) & Non-Occupant Co-Borrowers: Our programs welcome first-time homebuyers and allow non-occupant co-borrowers, expanding your loan options.<\/p>\n – Cash-Out Options: Access up to $1 million in cash-out, which can also be used as reserves, and up to 75% cash-out, including delayed financing.<\/p>\n – Appraisal Requirements: Only one appraisal is needed for loan amounts up to $2 million, simplifying the process and reducing costs.<\/p>\n – Loan Terms: Choose from 40-year fixed and 40-year full amortization 5\/6 & 7\/6 ARMs, offering long-term stability and flexibility.<\/p>\n – Funding Options: We accept gift funds, gift of equity, and business funds, providing additional avenues to secure your loan.<\/p>\n<\/div>\n We are committed to providing flexible, innovative solutions that cater to the unique needs of our unique clients.\u00a0Contact<\/u><\/strong><\/a>\u00a0our office for more information about non-qm mortgage\u00a0programs<\/u><\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" Discover the Flexibility of Non-Agency Programs\u00a0 Our non-agency programs are tailored to meet the unique demands of unique borrowers who potentially do not qualify for a mortgage using the conventional route. Our Non-QM programs open up a galaxy of options for every borrower, ensuring we can find the perfect fit for your financial needs. One […]<\/p>\n","protected":false},"author":1,"featured_media":728,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-4357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/posts\/4357","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/comments?post=4357"}],"version-history":[{"count":8,"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/posts\/4357\/revisions"}],"predecessor-version":[{"id":4453,"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/posts\/4357\/revisions\/4453"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/media\/728"}],"wp:attachment":[{"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/media?parent=4357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/categories?post=4357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nysck.com\/NonQmMortgage.com\/wp-json\/wp\/v2\/tags?post=4357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}