Greater underwriting flexibility.
No personal income calculations are required.
No job history is required (in some cases).
Credit scores as low as 620 allowed (580 w/ compensating factors).
No reserves required (in some cases).
As little as 10% down required.
Counting rental income (including Airbnb & VRBO).
Low debt-service-coverage ratio (DSCR) on investment properties.
At Mortgage Empire, we understand that not everyone fits into the traditional mortgage lending criteria. That's why we offer non-QM loans, which cater to borrowers who may have unique financial situations or don't meet the strict guidelines set by conventional lenders. Whether you are self-employed, have a less-than-perfect credit history, or need a loan that exceeds the conforming loan limits, we are here to help.
Our team of mortgage professionals brings years of industry expertise and knowledge to guide you through the non-QM loan process. We pride ourselves on offering personalized service, taking the time to listen to your specific needs and financial goals. We believe that everyone deserves a chance to own a home, and we are committed to finding creative solutions that fit your individual circumstances.
We believe in the power of customization where our non-QM loans are designed to meet the unique needs of each borrower.
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We are dedicated to guiding you each step, letting you enjoy streamlined application process that prioritizes your time and needs.
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We offer competitive interest rates on non-QM loans, ensuring you get the best value for your investment without breaking the bank.
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We prioritize open and honest communication, keeping you informed throughout the loan process. No surprises, just clarity and support.
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Your satisfaction is our top priority. From the initial consultation to the final walkthrough, our team is dedicated to providing a personalized and stress-free experience.
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At Mortgage Empire, we are committed to helping you overcome the obstacles that may have prevented you from obtaining a traditional mortgage. We believe in giving people a second chance and empowering them to achieve their homeownership goals. Contact us today to learn more about our non-QM loan options and how we can assist you in making your dream home a reality.
At Mortgage Empire, we are committed to helping you overcome the obstacles that may have prevented you from obtaining a traditional mortgage. We believe in giving people a second chance and empowering them to achieve their homeownership goals. Contact us today to learn more about our non-QM loan options and how we can assist you in making your dream home a reality.
While traditional jumbo loans still often require 20% down, we offer near-miss jumbo loans up to $3 million with as little as 10% down, up to a 55% debt-to-income ratio, and credit scores as low as 660. Jumbo loans with 10% down are often the ideal solution for first-time buyers who might still have large student loans and other types of “good credit debt”. 10% down jumbo loans are also good for high-income earners who are looking to invest their cash in other assets.
Private and hard money loans often have high rates and take a while to get approved for, which is not ideal for most real estate investors. Alternatively, both new and experienced real estate investors can benefit from the expanded criteria offered by no-income investment loans which allow you to build your real estate portfolio with fewer setbacks. The Debt-Service-Coverage-Ratio loan uses the rental income of the property to qualify and does not take into account your personal income.
At Mortgage Empire, we specialize in Non-QM loans, offering flexible and innovative mortgage solutions for borrowers with unique financial situations.
