Simple Access® Non-QM Correspondent Lending
A Better Path
Find a clear path forward for NON-QM with simple, flexible, & straightforward solutions with Luxury Mortgage.
Become an Approved Lender
Want to offer our Non-QM products to your borrowers? Sign-up up to become an approved correspondent lender.
About Luxury Mortgage
Learn about our team, company history, and our experience working with correspondent lenders in the marketplace.
EXPLORE OUR Loan PROGRAMS
Discover our suite of Simple Access® Non-QM correspondent loan programs
SIMPLE ACCESS®
It shouldn’t be complicated to finance a home! We saw a need for common sense solutions for self-employed borrowers and those with non-traditional income. Our Simple Access products are just that…simple, flexible, and straightforward.
- Loan amounts up to $3MM
- Credit scores as low as 620
- 90% LTV to $1MM on primary residence purchase transactions
- 80% LTV on Investor Cash Flow purchase transactions
- 5/6, 7/6 and 10/6 ARM and 15, 30 and 40 Year fixed rates
- Allow use of the IO payment to calculate the DSCR
- Bank statement loans allowed with as little as a 10% expense factor
- Up to 50% DTI on Full Doc loan
- Unlimited cash in hand with certain restrictions
- Exceptions may be considered to most guidelines with compensating factors
Investor Cash Flow
Created specifically for real estate investors. Qualification is based on the rental income generated by the subject property. It’s no longer necessary to have large amounts of cash on hand to build a real estate portfolio.
Bank Statement Loans
1099 Only
Asset Qualifier
Full Doc
About Us
Luxury Mortgage, based in Stamford, Connecticut with a West Coast Operations center in Irvine, California, is a recognized correspondent leader in the NON-QM market. We strive to provide you and your clients with the most competitive products and services in the industry. With over 27 years of experience, we have the ability to handle even the most complex scenarios and provide innovative solutions to you and your borrowers. We offer the industry’s most aggressive array of NON-QM programs with qualification options not offered by any of our competitors. We are committed to being the market leaders in every segment that we serve, no exceptions. We will work tirelessly to exceed your expectations and earn your repeat business.
Let's Connect
Get In Touch
CORPORATE
Luxury Mortgage Corp.®
Four Landmark Square
Suite 300
Stamford, CT 06901
(888) 458-6267
WEST COAST
Luxury Mortgage Corp.®
18100 Von Karman Ave
Suite 350
Irvine, CA 92612
(949) 516-0710