NON QM DIRECTORY

SPECIAL ADVERTISING SECTION: NON QM DIRECTORY

Angel Oak Mortgage Solutions

Atlanta, GA

Company Website: http://www.angeloakms.com

What Non-QM programs does your company offer?

Angel Oak Mortgage Solutions is the leader in the non-QM mortgage space. We offer alternative specialized mortgage solutions for brokers throughout the country helping borrowers who don’t fit conventional guidelines. Our innovative non-QM products include: Bank Statement, Platinum Jumbo, No Income Investor Cash Flow, "Just Missed" Portfolio Select and Asset Qualifier. We are pioneering a fresh approach to today’s mortgage lending challenges helping partners to grow their business.

Visit https://angeloakms.com/ programs/ for details on our products that can help you grow your business.

Which states are you licensed in?

NATIONWIDE except: AK HI ID MA MO NY VT

Arc Home LLC

Mount Laurel, NJ

Company Website: https:// business.archomellc.com/

What Non-QM programs does your company offer?

Arc Access - Alternate Income, DSCR, Foreign National , ITIN, Asset Utilization, Clean Slate, Agency Plus

Arc Home has a full product suite of Non-QM available for your borrowers. We offer competitive underwriting, pricing and turn times. With Arc Home Non-QM tools, we can quickly price your loan, calculate your bank statement income or review your borrower’s credit.

With easy access to pricing and product eligibility, scenario support, and quality tools, www.archomellc. com is a single source for “all things Arc Home LLC.” We carefully designed our product offering to offer valuable programs for you to qualify more borrowers.

Which states are you licensed in?

All states with the exception of MO, HI and NV

Carrington Wholesale

Anaheim, CA

Company Website: http:// CarringtonWholesale.com

What Non-QM programs does your company offer?

The Carrington Advantage Series is a full suite of Non- QM Loan solutions that "Delivers More" for you and your borrowers.

Ideal for borrowers, like the self-employed, that don’t fit Agency or Government Qualified Mortgage standards based on credit quality, property type, documentation type, income documentation, or other borrower situations.

• FICOs 550+

• Primary wage earners FICO

• DTIs up to 50%

• Bank Statements (personal or business) accepted

• We don’t require disputed tradelines to be removed

With the Carrington Investor Advantage (DCR)

• DCR down to .75

• First-time investors are ok

• Only 36 months seasoning for major credit events

• 1x30x12 mortgage history ok

Which states are you licensed in?

48 states excluding MA & ND

Commerce Home Mortgage-Wholesale

Irvine, CA

Company Website: http:// www.commercetpo.com

What Non-QM programs does your company offer?

No Income Verification Loans on Primary and Second Homes (Min 640 Score)

DCSR Loans below 100%

12 Month BK Statement Loans (Only look at 1st Page)

1099 Program

Asset Only Program Vesting in LLC Interest Only Option ARMS Available

Which states are you licensed in?

AZ, CA, CO, District of Columbia, FL, GA, ID, IA, LA, MD, NV, NM, OR, TX, UT, VA, WA

Finance of America Mortgage

Horsham, PA

Company Website: http:// www.foamortgage.com

What Non-QM programs does your company offer?

Our Two-X Flex suite of mortgage solutions is specifically made with unconventional borrowers in mind. These proprietary loan offerings give borrowers even more purchasing power, allowing them to qualify based on factors outside of standard requirements.

Contact Finance of America Mortgage today at customerrelations@ financeofamerica.com for additional information, or visit us at www. FOAmortgage.com

Which states are you licensed in?

Finance of America Mortgage is licensed nationwide in all 50 states, Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.

First Guaranty Mortgage Corporation

Frisco, TX

Company Website: http:// fgmc.com/mavericksolutions

What Non-QM programs does your company offer?

Our proprietary Non-QM product suite, Maverick Solutions offers Achiever Expanded Credit, Champion Prime Jumbo, and Visionary Investment products for Wholesale and Non- Delegated delivery. Our Non-QM solutions include the opportunity to use Bank Statements, Debt Service Coverage Ratios, Non- Warrantable Condos, and qualify with credit scores outside of agency guidelines. FGMC also offers educational resources like webinars, a quick qualification tool that is powered by LoanNEX on our website, and a Non-QM Structure Desk. To send your deals to the Structure Desk and get help with credit grading, bank statement calculation, or DSCR calculation help, email us at nonqm@fgmc.com!

Which states are you licensed in?

AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY (Non- Delegated Only), OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

Impac Mortgage Corp.

Irvine, CA

Irvine, CACompany Website: http:// www.impacwholesale.com

What Non-QM programs does your company offer?

• 12-month bank statement loans that are ideal for selfemployed borrowers

• Investor loans designed for borrowers with positive cash-flow properties

• Asset Qualification loans for borrowers with high cash liquidity who may not be employed or have a source of income

• Agency Plus program for borrowers falling just outside of agency guidelines, a perfect jumbo loan alternative that offers I/O options

Which states are you licensed in?

All states (including DC) are eligible, except DE, MA, ME, MO, and WY.

Luxury Mortgage Corp

Stamford, CT

Company Website: http://www. luxurymortgagewholesale.com

What Non-QM programs does your company offer?

The Simple Access® Non- QM suite of products was built around the idea that it doesn’t have to be complicated to finance a home. We have created a diverse selection of borrower friendly programs that are simple, innovative and flexible.

Investor Cash Flow

Qualification based on income generated by the subject property

Bank Statement

Qualification based on business or personal bank statements

Asset Qualifier

Eligibility based on a borrower’s liquid assets

Full Doc

Excellent pricing for scenarios just outside conventional guidelines

1099 Only

Great option for self-employed, independent contractor, or commission only professionals

For information on our Correspondent division, visit www. luxurymortgagecorrespondent.com.

Which states are you licensed in?

AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL (no IO loans), MA, MD, ME, MI, NH, NC, NJ, NM, NY (no subprime), OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI Properties

Reliant Bank

Brentwood, TN

Company Website: https:// reliantcorrespondentlending. com/

What Non-QM programs does your company offer?

Full Doc NonQM for higher debt-to-income ratios, Interest Only and/or Non- Warrantable Condominiums.

Bank Statement Program for self-employed borrowers.

Investor Debt Service Ratio (DSCR) program for real estate investors.

Full Doc Prime Jumbo to 90% LTV.

Purchase on a delegated or non-delegated basis.

Which states are you licensed in?

Reliant Bank is a federally regulated bank, licensed in all 50 states.

Sprout Mortgage

East Meadow, NY

Company Website: http:// www.sproutwholesale.com

What Non-QM programs does your company offer?

Sprout Mortgage is a Non- QM and QM lender whose innovative products, flexible qualifying criteria, and precision underwriting provide tailored lending solutions for residential real estate investors, selfemployed borrowers, and those with recent credit events. Sprout has created lending solutions engineered for today’s market to help consumers often excluded from traditional home financing options. Lending partners benefit from an array of features, including: Dedicated Account Executives and Account Managers, Bank Statement Review Team, Automated Locking, Condo Project Review Desk, iQualifi Pricing Engine, Free Personalized Marketing Collateral, Virtual Branch Training, Weekly Client Webinars, Access to Short ‘How-To’ Videos and an Exception Desk.

Which states are you licensed in?

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Verus Mortgage Capital

Washington, DC

Company Website: http:// www.verusmc.com

What Non-QM programs does your company offer?

Verus Mortgage Capital is the nation’s largest issuer of securitizations backed by non-QM loans. We’ve purchased over $10 billion in expanded, non-agency and offer correspondents a comprehensive array of expanded non-prime solutions for residential and business purposes.

For residential mortgages, we offer flexible loans that meet the needs of applicants who don’t fit into conventional programs. Verus Business Purpose loans meet the needs of real estate investors.

Our flexible lending guidelines, underwriting and pre-purchase diligence tools, and training help correspondents confidently move into non-QM. It’s all we do, and we do it extremely well.

Which states are you licensed in?

All 50 states