Been turned down for a Home Loan?

Do you have the necessary capital to pay a monthly mortgage, good credit and available liquidity, but tax returns don't represent your true income?

Have you been turned down for a mortgage loan because you failed to meet new strict income requirements and now you're looking at an alternative?

Don't be denied your piece of the American Dream. There is an Alternative.

Alternative non prime loans for investors, self employed and foreign nationals

Simplified Guidelines | Expanded Qualification Parameters

Alternative provides flexible, realistic qualifying for borrowers with multiple properties, financing up to 8 properties or $2M for one borrower whichever is less. May even qualify with bankruptcy, foreclosure, short-sale or deed-in-lieu. Ask me for additional applicable guidelines. Borrower must have the ability to repay the subject loan.

Agency Plus provides flexible, realistic qualifying for borrowers with multiple properties, even with foreclosure, bankruptcy, short sale or deed-in-lieu. - See more at: https://impacwholesale.com/products/iqm-agency-plus/?_cldee=dnBhcGFyZWxsYUBhZm5jb3JwLmNvbQ%3d%3d&recipientid=lead-da9165f2291be711810a5065f38a2981-2542b13d7be743ef9c63824738feb27f&utm_source=ClickDimensions&utm_medium=email&utm_campaign=iQM%20Umbrella&esid=41c1f856-ba2e-e711-80fd-5065f38a19e1#sthash.5ETFki7Q.dpuf
Agency Plus provides flexible, realistic qualifying for borrowers with multiple properties, even with foreclosure, bankruptcy, short sale or deed-in-lieu. - See more at: https://impacwholesale.com/products/iqm-agency-plus/?_cldee=dnBhcGFyZWxsYUBhZm5jb3JwLmNvbQ%3d%3d&recipientid=lead-da9165f2291be711810a5065f38a2981-2542b13d7be743ef9c63824738feb27f&utm_source=ClickDimensions&utm_medium=email&utm_campaign=iQM%20Umbrella&esid=41c1f856-ba2e-e711-80fd-5065f38a19e1#sthash.5ETFki7Q.dpuf
Agency Plus provides flexible, realistic qualifying for borrowers with multiple properties, even with foreclosure, bankruptcy, short sale or deed-in-lieu. - See more at: https://impacwholesale.com/products/iqm-agency-plus/?_cldee=dnBhcGFyZWxsYUBhZm5jb3JwLmNvbQ%3d%3d&recipientid=lead-da9165f2291be711810a5065f38a2981-2542b13d7be743ef9c63824738feb27f&utm_source=ClickDimensions&utm_medium=email&utm_campaign=iQM%20Umbrella&esid=41c1f856-ba2e-e711-80fd-5065f38a19e1#sthash.5ETFki7Q.dpuf

CALL NOW (909) 967-8000

**Terms subject to change without notice. Does not constitute an offer, nor a guarantee to lend.

Brokered products may have higher interest rates or different terms than conventional loan products. Additional terms and conditions may apply. Contact us for more details,

Borrower must have sufficient liquid assets available for down payment, closing costs and reserves. Funds must be sourced and seasoned for two (2) months and the most recent consecutive statements (all pages) or the most recent quarterly statements are required.

  • Increased loan limits to $3M
  • FICO score as low as 640
  • Loans ≤ $417,000 credit and income documenation determined by DU
  • Payment shock not calculated
  • Cash out on 2nd home and NOO for borrowers with up to 10 financed properties
  • First time home buyer allowed
  • Cash out loans up to $2M
  • 15 and 30 year fixed, 5/1, 7/1, 10/1 ARMs. Interest only available on ARMs*
  • DTI up to 50%
  • Gift Funds & Gift of Equity allowed (refer to guidelines)
  • No ownership seasoning requirement for cash-out refinance
  • Cash out from subject may be used towards reserves
  • Conforming, high balance and jumbo loans for borrowers with multiple financed properties
  • Standard Fannie Mae full income and asset required
  • US Citizens, Permanent Resident Aliens and Non-Permanent Resident Aliens allowed
  • Condominiums allowed – FNMA eligible (some non-warrantable exceptions apply)
- See more at: https://impacwholesale.com/products/iqm-agency-plus/?_cldee=dnBhcGFyZWxsYUBhZm5jb3JwLmNvbQ%3d%3d&recipientid=lead-da9165f2291be711810a5065f38a2981-2542b13d7be743ef9c63824738feb27f&utm_source=ClickDimensions&utm_medium=email&utm_campaign=iQM%20Umbrella&esid=41c1f856-ba2e-e711-80fd-5065f38a19e1#sthash.5ETFki7Q.dpuf