Non-QM programs.

Consistent Non-QM decisions, from a team that’s done it for over a decade and funded $2.7 billion in Non-QM loans. Start with how your borrower qualifies, then explore the programs that support that path.

Programs: 9
Score from: No score; Redondo
LTV up to: 90%; Zuma Prime and 2 more
Loans to: $5M; Carmel

Redondo Beach’s rustic waterfront pier, turquoise waves and sunlit painted clouds

How does your borrower qualify?

9 programs.

Non-QM · Zuma familyZuma PrimeFull documentation and alternative income paths
Score
620+
LTV
90%
Loan
$4M
Non-QM · Zuma familyZuma GoldBank statements, 1099 and P&L options
Score
620+
LTV
85%
Loan
$3M
Non-QM · Zuma familyZuma SilverAnother path for full and alternative documentation
Score
660+
LTV
90%
Loan
$3.5M
Non-QM · Newport familyNewport Non-ConformingFull and alternative income documentation
Score
620+
LTV
90%
Loan
$3M
Non-QMITINA dedicated path for ITIN borrowers
Score
660+
LTV
80%
Loan
$1.5M
Non-QMBalboaIncome, asset and distinctive-property options
Score
660+
LTV
85%
Loan
$3M
Non-QMLimited DocsWVOE, P&L and asset-utilization paths
Score
660+
LTV
80%
Loan
$3M
Non-QMRedondoNewCondo flexibility, credit and asset qualification
Score
No score
LTV
85%
Loan
$3M
Non-QMCarmelLarger Non-Conforming loans for primary homes
Score
620+
LTV
80%
Loan
$5M

Qualifying on the property’s rental income? See the DSCR programs

Your next borrower. Our next conversation.

Bring us your next Non-QM loan.

Send the scenario, ask JMAC a question, or get set up with your lending team.

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