Non-QM & Jumbo Programs

INVESTOR CASH FLOW

Created specifically for investors, qualification is based on the income to be generated by the subject property. It’s no longer necessary to have large amounts of cash on hand to build a real estate portfolio.

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BANK STATEMENT

Qualify based on analysis of bank deposits rather than traditional income documentation. No tax returns required. Business or personal bank statements are permitted. Choose from several options for calculating qualifying income.

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1099 ONLY

Qualify borrowers who receive their compensation in the form of commission or independent contractor basis and receive IRS form 1099 at year-end. Minimum 1 year self-employment (with prior related experience)

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ASSET QUALIFIER

Eligibility is based on liquid assets in a savings or securities account. No need for tax returns or traditional income documentation. Allows homebuyers to use assets for qualification without tying them up for a home purchase.

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FULL DOCUMENTATION

A solution for scenarios that don’t quite fit the guidelines for conventional financing. Qualification focuses on the borrower’s ability to repay based on common sense underwriting, and perfect credit is not required.

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JUMBO

We are in the process of re-tooling our jumbo mortgage programs. Check back with us in the coming months to learn more about our suite of correspondent jumbo mortgage lending solutions. Thank you for choosing Luxury Mortgage.

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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 $3 MM +
Cash-Out to $500,000 +
Credit Scores as low as 620
Max. LTVs 85% Purchase, 80% R/T Refi and 75% C/O Refi
7/6 and 10/6 ARM and 15 and 30 Year Fixed Rates
LLC, Partnership and Corporate title vesting are eligible
Exceptions considered to any guideline with compensating factors

JUMBO

We provide flexible financing solutions and large loan amounts to accommodate a wide variety of jumbo purchase and refinance scenarios. Attractive terms for your most discerning clients.

Loan Amounts up to $3 MM +
Cash-out to $300,000 +
5/6, 7/6, 10/6 ARMs and 15/20/30 Year Fixed Rates
All occupancy types allowed
Max. LTVs 80% Purchase, 75% R/T Refi and 60% C/O Refi
Industry leading Asset Distribution calculation for use as income