NON-QM LOANS

Non-QM (Non-Qualified Mortgage) loans are mortgage loans that do not meet the criteria for a Qualified Mortgage. These loans are designed for borrowers who do not meet the strict requirements of a conventional mortgage. Non-QM loans can be a good option for self-employed individuals, investors, or those with credit challenges who cannot qualify for a traditional mortgage.

Emery Financial Home Loans/ 1099 mortgage

1099 
Mortgage

On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.
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Emery Financial Home Loans/ cash out refinance

Bank Statement 
Loans

A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.
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Emery Financial Home Loans/ debt service coverage loan

Debt Service Coverage
Loan

As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan
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Emery Financial Home Loans/ ITIN mortgage

ITIN Mortgage

Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.
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Emery Financial Home Loans/ asset utilization

Asset Utilization

Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.
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Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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