theLender is proud to introduce our new
Non QM Program Series
We have always set out to make a huge impact for our partners so they can grow their business but this time we really outdid ourselves. Our NON-QM products are truly a work of art and we believe it offers everything needed in the current NON-QM space and then some. Combine that with our state of the art technology and everyone wins. Take a look for yourself, we promise you won’t be disappointed.

1 Page Bank Statement
Results without all the BS
(Bank Statements, that is!)
- Page 1 of the Business Bank Statement reflecting the company on the P&L
- Qualify off the P&L only: nothing more, nothing less 12 or 24 month P&L OK
- Purchase LTV’s up to 90%
- Cash-Out LTV’s up to 80%
- Loan Amounts up to $4MM
- DTI up to 50%
- 50% business ownership required

Asset Qualifier:
For those sitting stacks of cash looking to
put their savings to work
- Option 1 – 60 months
- Minimum Eligible Assets required are the lessor of $1,000,000 or 150% of the loan amount
- Qualifying income based upon Total Assets Eligible for Depletion, less down payment, less out of pocket closing costs, less required reserves, divided by 60.
- Maximum DTI 43%.
- Option 2 – 84 months
- No Minimum Eligible Assets amount is required.
- Qualifying income based upon Total Assets Eligible for Depletion, less down payment, less out of pocket closing costs, less required reserves, divided by 84.
- Maximum DTI 43%
- Minimum Eligible Assets required is the lower of $1,000,000 or 150% of the loan balance.
- Qualifying income based upon Total Assets Eligible for Depletion, less down payment, less out of pocket closing costs, less required reserves, divided by 84.
- Maximum DTI 43%. Rental Income
- Rental properties are calculated based on 75% of lease less PITIA to determine impact on debt service.

Bank Statement Qualifier:
For those who are self-employed and
looking to own a home
- Personal and Business Bank Statements allowed
- 12 month and 24 month Bank Statement options
- Max LTV (purchase only)
- Up to 90% on Non QHEM Plus
- Up to 85% on standard Non QHEM
- 2nd Home and Investment properties up to 80% LTV
- Loan amounts up to $4MM
- Non-Warrantable Condos allowed
- DTI up to 55%
- Credit scores down to 600
- Recent Credit Events Allowed
- 7/6 and 10/6 ARM, 30, and 40 yr I/O option not fixed
- Multiple financed properties allowed

Full Doc Qualifier:
For those who file income the traditional way
looking to expand their loan qualifications
- DTI up to 55%
- Credit scores down to 600
- Recent credit events allowed
- All occupancy types allowed
- 7/6 and 10/6 ARM, 30, and 40 yr I/O option not fixed
- Multiple financed properties allowed
- Max LTV (purchase only)
- Up to 90% on Non QHEM Plus
- Up to 85% on standard Non QHEM
- Non-Warrantable Condos allowed
- Loan amounts up to $4MM

Gig Qualifier:
For those independent contractors &
freelance workers that are paid like a
business owner, but may not own a business
- Multiple 1099 qualification options
- Apply a 25% expense factor to all eligible gross receipts.
- Profit and Loss Statement
- CPA Letter for Expense Ratio
- DTI up to 55%
- Credit scores as low as 600
- Recent credit events allowed
- All occupancy types allowed
- 7/6 and 10/6 ARM, 30, and 40 FRM
- Multiple financed properties allowed
- Loan amounts up to $4MM

ITIN:
An ITIN loan is a great option for those borrowers who may not be able to qualify for a traditional mortgage loan because they do not have a SSN.
- ITIN Matrix
- Max 1.5 Million Loan Amount
- Min 680 FICO
- Owner Occupied Only
- Max LTV up to 80%
- DTI up to max 50%
- Full Doc & 1099 income options
- No Housing history allowed ***see matrix for restrictions
- Unexpired Government Photo ID and ITIN Card or Letter from IRS required

NonQM Premier:
Take advantage of our newest NonQM program
which gives better rates than ever before.
- Min Fico 680
- Max LTV 90%
- Max Loan Amount $2.5mm
- Available doc types
- Full doc – 1 & 2 year
- 12 & 24 bank statement – Business & Personal
- Max Cash in hand $1mm