Non-QM Programs

Helping correspondent lenders navigate to new heights.


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 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.
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.
1099 only

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)
quick quote


Program offered on a case by case basis. Qualify foreign national borrowers utilizing either liquid assets or rental income on subject investment properties for qualification.
full doc


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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Luxury Mortgage Corp.®
Four Landmark Square
Suite 300
Stamford, CT 06901
(888) 458-6267


Luxury Mortgage Corp.®
18100 Von Karman Ave
Suite 350
Irvine, CA 92612
(949) 516-0710