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Currently, services provided in CA only
We'll walk you through everything you need to know about Non-QM lending — no jargon, no runaround — so you can make an informed decision about your next move.
Serving borrowers across California who are ready to take the next step in homeownership.
Let's Go ↓The Basics
Instead of tax returns, lenders may use:
DTI above standard limits? Non-QM programs accommodate higher ratios so you can still get approved.
Some Non-QM lenders offer interest-only terms — perfect for investors maximizing cash flow.
Is this what you are looking for?
That's Me — Keep Going ↓Why Non-QM?
Use bank statements, P&L, or CPA letters instead of W2s and tax returns.
Programs built specifically for how you actually earn money.
Common with DSCR loans — protect your assets by purchasing through your business entity.
Loan amounts up to $4M for primary, second homes, and investment properties.
Let's Talk About Rates
Straightforward. No hidden fees.
The note rate is the interest rate used to calculate your monthly mortgage payment. It does not include lender fees, points, or closing costs.
APR (Annual Percentage Rate) reflects the true cost of borrowing by combining the note rate with lender fees, points, and certain closing costs, spread over the life of the loan.
These loans typically carry higher APRs because they involve alternative income documentation, investor-focused underwriting, and higher capital risk for lenders.
Amortization shows how each monthly payment is split between interest and principal. Early payments are interest-heavy, with principal reduction increasing over time.
Now let's break it down.
Key Concept
Home value is $500,000.
You're borrowing $400,000.
That's 80% LTV. The lower that number, the better your rate.
LTV affects:
Key Concept
Gross income $10,000/month.
Total monthly debts $4,000.
That's 40% DTI. Lenders want to see that number as low as possible.
Only includes housing expenses:
Includes everything above plus:
Lenders care more about back-end DTI.
Crunch the Numbers
Estimated Monthly Payment
$0.00
Principal & Interest only. Does not include taxes, insurance, or HOA.
Almost Done
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Full Transparency
The percent of your loan charged as a loan origination fee. For example, a 1% fee on a $120,000 loan would cost $1,200.
Paying 1 point only in origination + processing fee +
lender fees.
Does not include third-party fees.
Paid to a licensed appraiser to determine the home's market value.
Title search (liens/ownership), title insurance (protects lender/buyer), and escrow/closing services.
Covers the cost of pulling your credit report.
Paid to an inspector to evaluate the property condition. (Purchase only.)
Paid to the county to officially record the new deed or mortgage.
Confirms property boundaries. (If required.)
Verifies whether the property is in a flood zone.
Paid to the HOA for documents or ownership transfer. (If applicable.)