Do you have buyers that are self-employed, have fluctuating incomes, or high debt-to-income ratios? A Non-QM Loan from New American Funding May get them qualified!
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Agents, if you have buyers that are self-employed, have fluctuating incomes, or high debt to income ratios, a Non-QM loan from New American Funding may get them qualified. No tax returns or 4506 needed.
Our Non-QM loans allow for simple qualification through alternative documentation options such as bank statements and assets. No tax return is needed as long as they have been in business for at least 2 years. And even if they have high debt-to-income ratios, but plenty of assets, they may qualify. Plus, if a buyer's current home is listed on the MLS prior to loan application, their current mortgage can be excluded from their debt-to-income calculation, making qualifying even easier.
At New American Funding, we can also qualify buyers through asset depletion with just their assets, such as funds in a bank, investments or retirement accounts, by using a formula to calculate income that could be generated by depleting a borrower's liquid assets over a fixed period of time, and use that income to determine their ability to qualify.
At New American Funding, we want to help your clients get qualified for a home loan. To find out more about our Non-QM loan program, call today.
Give Your Clients a Non-QM Loan That Works For Them housing court brooklyn | |
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