Not every mortgage scenario fits inside the traditional box.
Unique income, investment opportunities, unusual properties, and complicated timelines do not always fit traditional mortgage guidelines—but that does not automatically mean there are no options.
I look beyond the obvious and explore alternative solutions based on the complete scenario.
More flexibility for unique situations.
Non-QM and specialty mortgage programs offer alternative ways to evaluate income, assets, property type, rental cash flow, and the borrower’s complete financial picture.
These loans still have qualification requirements, but they can create opportunities when a traditional Conventional, FHA, VA, or USDA loan is not the right fit.
Bank Statement Loans
Eligible self-employed borrowers may be able to use bank-statement deposits to help document qualifying income.
Asset Depletion Loans
Substantial eligible assets may be used to help calculate qualifying monthly income.
Investor and DSCR Loans
Some programs evaluate a property’s rental cash flow instead of relying solely on traditional personal-income documentation.
Fix-and-Flip Loans
Short-term financing may be available for eligible investors purchasing and renovating properties for resale.
Bridge Loans
Bridge financing may help solve timing challenges when buying, selling, refinancing, or accessing equity.
Properties With Up to 20 Units
Specialty programs may be available for eligible investment properties containing more than four—and sometimes up to 20—units.
ITIN Loans
Home-financing options may be available for eligible borrowers who use an Individual Taxpayer Identification Number.
Non-Warrantable Condos
Alternative financing may be available for certain condominium projects that do not meet traditional agency guidelines.
And those are only a few possibilities.
Depending on the borrower, property, loan purpose, and available documentation, other specialty options may be available. You do not need to figure out the right program before reaching out—that is my job.
If you have a scenario that feels unusual, complicated, or difficult to place, send it to me. I’ll review the complete picture and determine whether we have an option worth exploring.
For Borrowers and Investors
Tell me what you are trying to accomplish and what has made traditional financing difficult.
Explore My OptionsFor Realtors
Have a buyer, investor, or property that another lender could not place? Send me the scenario before assuming the answer is no.
Before you assume it can’t be done—send me the scenario.
Out-of-the-box situations often require out-of-the-box thinking. Let’s look at the full picture and see what options may be available.
Non-QM and specialty loan programs are subject to individual lender guidelines, credit and property approval, documentation requirements, and program availability. Not all borrowers or properties will qualify. This information is educational and is not a commitment to lend.