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 * About
 * theNONI
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   * NONI58
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   * NonQM Products
   * QM Products
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   * CalHFA
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   * Ratesheets
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   * Turn Times
   * VA Appraisal Order
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 * Contact




NONQM PRODUCTS


RESOURCES

Borrower Contact Consent Form
Business Narrative Outline
Exception Request Form
Non-Occupant Co-borrower
Certification
NON QM Income Calculator

View ITIN Matrix

NON QM Lock Request
NON QM Submission Form
Occupancy Affidavit
Rates

View Non QHEM & Non QHEM Plus Matrix


THELENDER IS PROUD TO INTRODUCE OUR NEW
NON QM PROGRAM SERIES

We have always set out to make a huge impact for our partners so they can grow
their business but this time we really outdid ourselves. Our NON-QM products are
truly a work of art and we believe it offers everything needed in the current
NON-QM space and then some. Combine that with our state of the art technology
and everyone wins. Take a look for yourself, we promise you won’t be
disappointed.


ASSET QUALIFIER:


FOR THOSE SITTING STACKS OF CASH LOOKING TO
PUT THEIR SAVINGS TO WORK

 * Option 1 – 60 months
   *  Minimum Eligible Assets required are the lessor of $1,000,000 or 150% of
     the loan amount
   * Qualifying income based upon Total Assets Eligible for Depletion, less down
     payment, less out of pocket closing costs, less required reserves, divided
     by 60.
   * Maximum DTI 43%.

 * Option 2 – 84 months
   * No Minimum Eligible Assets amount is required.
   * Qualifying income based upon Total Assets Eligible for Depletion, less down
     payment, less out of pocket closing costs, less required reserves, divided
     by 84.
   * Maximum DTI 43%

Eligible asset sources

 * Checking
 * Savings
 * Money Market Accounts
 * Stocks
 * Bonds
 * Mutual Funds
 * Retirement Assets


BANK STATEMENT QUALIFIER:


FOR THOSE WHO ARE SELF-EMPLOYED AND
LOOKING TO OWN A HOME

 * Personal and Business Bank Statements allowed
 * 12 month and 24 month Bank Statement options
 * Max LTV (purchase only)
   * Up to 90% on Non QHEM Plus
   * Up to 85% on standard Non QHEM
 * 2nd Home and Investment properties up to 80% LTV
 * Loan amounts up to $4MM
 * Non-Warrantable Condos allowed
 * DTI up to 55%
 * Credit scores down to 620
 * Recent Credit Events Allowed
 * 7/6 and 10/6 ARM, 30, and 40 yr I/O option not fixed
 * Multiple financed properties allowed


FULL DOC QUALIFIER:


FOR THOSE WHO FILE INCOME THE TRADITIONAL WAY
LOOKING TO EXPAND THEIR LOAN QUALIFICATIONS

 * DTI up to 55%
 * Credit scores down to 620
 * Recent credit events allowed
 * All occupancy types allowed
 * 7/6 and 10/6 ARM, 30, and 40 yr I/O option not fixed
 * Multiple financed properties allowed
 * Max LTV (purchase only)
 * Up to 90% on Non QHEM Plus
 * Up to 85% on standard Non QHEM
 * Non-Warrantable Condos allowed
 * Loan amounts up to $4MM


GIG QUALIFIER:


FOR THOSE INDEPENDENT CONTRACTORS &
FREELANCE WORKERS THAT ARE PAID LIKE A
BUSINESS OWNER, BUT MAY NOT OWN A BUSINESS

 * Multiple 1099 qualification options
 * Apply a 10% expense factor to all eligible gross receipts.
 * Profit and Loss Statement
 * CPA Letter for Business Funds
 * DTI up to 55%
 * Credit scores as low as 620
 * Recent credit events allowed
 * All occupancy types allowed
 * 7/6 and 10/6 ARM, 30, and 40 FRM
 * Multiple financed properties allowed
 * Loan amounts up to $4MM


ITIN:


AN ITIN  LOAN IS A GREAT OPTION FOR THOSE BORROWERS WHO MAY NOT BE ABLE TO
QUALIFY FOR A TRADITIONAL MORTGAGE LOAN BECAUSE THEY DO NOT HAVE A SSN.

 * ITIN Matrix
 * Max 1.5 Million Loan Amount
 * Min 680 FICO
 * Owner Occupied Only
 * Max LTV up to 80%
 * DTI up to max 50%
 * Bank Statement, Full Doc & 1099 income options
 * No housing history needed ***see matrix for restrictions
 * Unexpired Government Photo ID and ITIN Card or Letter from IRS required


NONQM PREMIER:


TAKE ADVANTAGE OF OUR NEWEST NONQM PROGRAM
WHICH GIVES BETTER RATES THAN EVER BEFORE.

 * Min Fico 680
 * Max LTV 90%
 * Max Loan Amount $2.5mm
 * Available doc types
   * Full doc – 1 & 2 year
   * 12 & 24 bank statement – Business & Personal
 * Max Cash in hand $1mm


P & L ONLY:

Results without all the BS
(Bank Statements, that is!)

 * Qualify off the P&L only: nothing more, nothing less 12 or 24 month P&L OK
 * Purchase LTV’s up to 85%
 * Cash-Out LTV’s up to 80%
 * Loan Amounts up to $4MM
 * DTI up to 50%
 * 25% business ownership required



ABOUT US

Created by a group of proven industry leaders who recently founded one of the
largest and fastest growing Wholesale mortgage companies in the USA, theLender
was created to make a difference.

QUICK LINKS

 * About
 * Make A Payment
 * theNoni
 * NonQM Products
 * QM Products
 * Broker Resource Center
 * Request An Appraisal
 * Contact

NEWSLETTER

Email




Licensing | Site Map | Privacy | For licensing information, go to: 
www.nmlsconsumeraccess.org | Anonymous Feedback to theLender | Copyright © 2023,
Hometown Equity Mortgage, LLC (NMLS #133519) dba theLender. All Rights Reserved.
NMLS #133519. CL – 133519 This website is for professional use only and is a
business to business communication not intended for consumers.




 * About
 * theNONI
   * nearNONI
   * NONI58
   * theNONI
 * Products
   * NonQM Products
   * QM Products
   * BridgeLoans
   * CalHFA
   * theNADA
   * theSECOND
 * Mortgage Partner
 * Broker Resource Center
   * Broker Resource Center
   * Go to theSpot
   * Make A Payment
   * Request An Appraisal
   * Ratesheets
   * Receive Daily Updates
   * The Spot / How To Submit
   * Turn Times
   * VA Appraisal Order
 * Reviews
 * Contact



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