2501 Truxillo St, Houston TX 77004
(832) 528-0765
client@aloanmortgage.com

Non-QM

Houston Texas Loan, home Mortgage,

If you have any questions, please contact us. 832-877-8309 or email us at aloanmortgage@gmail.com

Full Doc NQM

– Traditional Income Docs
– Loan amount up to $3mm
– Super Prime & Prime Access Program
– DSCR reduced 0.5 across the board

12/24 Month Bank Statements

– Business and Personal
– Loan amount up to $3mm
– Super Prime & Prime Access Programs

2 Months Bank Statements

– 2 Months Bank Statements to Support 1 year CPA P&L income
– Loan amount up to $3mm
– Super Prime & Prime Access Programs

Asset Utilization

– Cash out available
– Income calculation – All Eligible Assets Divided by 100
– Super Prime & Prime Access Programs

DSCR

– No Income, No EMP. on 1003
– DSCR ≥ 0.75
– Loans up to $2 mm
– Cash-out proceeds may be used for Reserves

Non-Permanent Resident

– Bank Statements Allowed

Foreign Nationals

– CPA Letter or EMP. Letter
– 1 Credit Ref, 1 Bank Ref
– Gifts are permitted
– Reserves overseas allowed

2Y CPA P&L

– 2Y P&L prepared by CPA or Enrolled Tax Agent or Licensed Tax Preparer

WVOE / 1099

– Completed FNMA Form 1005 for 2 year history with same employer
– Cash out available