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.
Use our quick qualifier tool for one of your deals. Don’t hesitate to reach out to a local Account Executive with questions.
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
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.
Unlimited cash-out up to 75% LTV, max $500,000 cash-out above 75% LTV
Credit scores as low as 620
Max LTVs: 90% Purchase, 85% R/T Refi and 80% C/O Refi
5/6, 7/6 and 10/6 ARM and 15, 30 and 40 Year fixed rates (except Investor Cash Flow program)
LLC, Partnership and Corporate title vesting are eligible
Exceptions may be considered to most guidelines with compensating factors
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.
Home loan program designed for foreign national borrowers utilizing either liquid assets or rental income on subject investment properties for qualification. Must be able to legally enter the US, no defined length of stay required.
Luxury Mortgage, based in Stamford, CT with a West Coast Operations center in Irvine, CA, 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 25 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.