Home Equity Loans
Our Non-QM HELOC/HELOAN is available as either a 1st-lien or 2nd-lien loan and features options that helps borrowers pay down their mortgage faster, access equity easily, and simplify their overall finances , all in one powerful lending solution.
Program Highlights
- ITIN and SSN Eligible — Perfect for both U.S. citizens and ITIN borrowers.
- Alternative Income Documentation Accepted — Ideal for self-employed borrowers, business owners, and non-traditional income earners.
- Loan Amounts: $50,000 to $3,000,000.
- Variable Interest Rate: Floor 6%, Cap 15%.
- Purchase or Refinance Options.
- No Minimum Draw Required at Closing.
- LTV up to 80%.
- DTI up to 60%.
- Minimum Credit Score: 660.
- 30-Year Term (10-Year Draw, 20-Year Repayment).
- No Tradeline Requirement.
Michigan Homeowners
Michigan homeowners often have unique financial profiles, ranging from self-employed professionals to real estate investors managing multiple properties. Our Non-QM HELOC gives you the financing options to access your home’s equity without verifying income, so you can invest, consolidate debt, or fund major projects on your terms.
If you have questions about how a Non-QM HELOC can help you achieve your financial goals, our Michigan-based mortgage professionals are here to help.
Reach out to our team to learn more, request a rate quote, or get prequalified.
