Don’t know what a Non-QM loan is and want Examples?

Then you’ve come to the right place. We’ve put together a variety of closed and funded loan examples to give you an idea of what types of loans are possible.

You might see one similar to your situation.

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DISCLAIMER: These Samples are for REFERENCE PURPOSES ONLY.
These are not Offers to Lend, or Rates you will receive, or the exact program you might receive. Every Borrower is different, Every Loan is different, Every Property is different. These samples give you an idea of what types of loans are possible. Rates, Terms, and Guidelines are ever changing.
All loans are Subject to Credit Approval.

NON-QM LOAN POSSIBILITIES

Variety of Mortgage Loan Programs

Loan Denied? Need to find a loan for your Non-traditional, Non-QM property?

We’ve put together a few examples of the types of Non-QM loans that can be done. Investment non-owner, Jumbo loan amounts, Foreign Nationals, Refi’s, cashouts, and purchases. You might see a scenario similar to your situation.

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Jumbo Loans

Above Fed Guidelines

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Investment Loans

Multi unit, SFR, Condo

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Foreign Nationals

Non-owner properties

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Bridge Loans

Short Term Financing

Non-Owner Occupied Loan Example

Investment property Cash out Refinance

Loan Information:

FICO: 680
Occupancy: Non-Owner Occupied
Property Type: 3-unit
Loan Purpose: Refi/Cashout
Loan Amount: $420,000
Loan to Value (LTV): 70%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 6.125%
Interest Only Option: Not Taken
ATR/Doc Type: No Doc DSCR

Location: Los Angeles, CA

Happy Customer

Owner Occupied Loan Example

Home Owner needed to pull cash out.

Loan Information:

FICO:
Occupancy: Owner Occupied
Property Type: SFR
Loan Purpose: Cash Out
Loan Amount: $959,000
Loan to Value (LTV): 29%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 4.99%
Interest Only Option: Not Taken
ATR/Doc Type: 24 month bank statement

Location: Newport Beach, CA

Happy Customer

Foreign National Loan Example

Investment property Purchase

Loan Information:

FICO: No US Credit
Occupancy: Non-Owner Occupied
Property Type: SFR
Loan Purpose: Purchase
Loan Amount: $398,100
Loan to Value (LTV): 50%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 4.875%
Interest Only Option: Not Taken
ATR/Doc Type: No Doc- DSCR

Location: Murrieta, CA

Happy Customer

Owner Occupied Loan Example

Jumbo Loan for Dream Home

Loan Information:

FICO:
Occupancy: Owner Occupied
Property Type: SFR
Loan Purpose: Purchase
Loan Amount: $2,625,000
Loan to Value (LTV): 75%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 4.625%
Interest Only Option: Not Taken
ATR/Doc Type: 12 mo bank statements

Location: Pasadena, CA

Happy Customer

Non-Owner Occupied Loan Example

Investment property Cash Out Refinance

Loan Information:

FICO:
Occupancy: Non-Owner Occupied
Property Type: SFR
Loan Purpose: Refi/Cash Out
Loan Amount: $650,000
Loan to Value (LTV): 34%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 4.875%
Interest Only Option: Not Taken
ATR/Doc Type: No Doc- No DSCR

Location: Lakewood Ranch, FL

Happy Customer

Non-Owner Occupied Loan Example

Short Term Bridge Loan- 2 years

Loan Information:

FICO:
Occupancy: Non-Owner Occupied
Property Type: SFR
Loan Purpose: Purchase
Loan Amount: $663,700
Loan to Value (LTV): 75%
Loan Term: 2 years
Product: Bridge Interest Only
Interest Rate: 8.50%
Interest Only Option: Yes
ATR/Doc Type: No Doc

Location: Watchung, NJ

Happy Customer

Non-Owner Occupied Loan Example

Investment property Refinance

Loan Information:

FICO:
Occupancy: Non-Owner Occupied
Property Type: SFR
Loan Purpose: Refinance
Loan Amount: $761,700
Loan to Value (LTV): 55%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 5.875%
Interest Only Option: Not Taken
ATR/Doc Type: No Doc- No DSCR

Location: Castroville, CA

Happy Customer

Non-Owner Occupied Loan Example

Investment property Refinance

Loan Information:

FICO:
Occupancy: Non-Owner Occupied
Property Type: SFR
Loan Purpose: Refi
Loan Amount: $305,500
Loan to Value (LTV): 65%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 6.75%
Interest Only Option: Not Taken
ATR/Doc Type: No Doc

Location: Salinas, CA

Happy Customer

Foreign National Loan Example

Investment property Condo Refinance

Loan Information:

FICO:
Occupancy: Non-Owner Occupied
Property Type: Condo
Loan Purpose: Refi
Loan Amount: $390,000
Loan to Value (LTV): 65%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 5.125%
Interest Only Option: Not Taken
ATR/Doc Type: No Doc

Location: Flushing, NY

Happy Customer

Foreign National Loan Example

Investment property Condo Refinance

Loan Information:

FICO: No US Credit
Occupancy: Non-Owner Occupied
Property Type: Condo
Loan Purpose: Refi
Loan Amount: $1,235,000
Loan to Value (LTV): 65%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 6.125%
Interest Only Option: Not Taken
ATR/Doc Type: No Doc- DSCR

Location: Las Vegas, NV

Happy Customer

Non-Owner Occupied Loan Example

Short Term Bridge Loan 1 year

Loan Information:

FICO:
Occupancy: Non-Owner Occupied
Property Type: Townhouse
Loan Purpose: Purchase
Loan Amount: $388,300
Loan to Value (LTV): 80%
Loan Term: 1 year
Product: Interest Only
Interest Rate: 8.615%
Interest Only Option: Yes
ATR/Doc Type: No Doc Bridge

Location: Duluth, GA

Happy Customer

Owner Occupied Loan Example

Jumbo Loan – Dream Home for borrower

Loan Information:

FICO:
Occupancy: Owner Occupied
Property Type: SFR
Loan Purpose: Purchase
Loan Amount: $573,700
Loan to Value (LTV): 75%
Loan Term: 30 years
Product: Fixed Rate
Interest Rate: 7.25%
Interest Only Option: Not Taken
ATR/Doc Type: Full Doc