Our Non-QM Home Loan programs provide the financing you need to qualify and succeed in Michigan’s competitive mortgage market.
Our Non-QM programs open doors for borrowers who deserve credit beyond conventional limits. With No Ratio DSCR loans available, Michigan investors can qualify based on property cash flow without personal income documentation. Even Non-Warrantable Condos, often challenging to finance, are fully eligible under our expanded guidelines.
Suppose your property includes an Accessory Dwelling Unit (ADU). In that case, we can use that ADU income to help you qualify, from Detroit and Grand Rapids to Ann Arbor and Traverse City.
Cash-Out
With no seasoning required on Rate/Term or Cash-Out refinances, Michigan homeowners can access equity quickly, even after recent transactions. Plus, reserves can be sourced directly from your Cash-Out proceeds.
Investors can benefit too; our programs allow a 3% seller contribution on all investor loans and even 100% gift funds for down payment and closing costs, including for investment properties.
Michigan’s First-Time Buyers and Investors
First-time homebuyers and first-time investors are both eligible, and we understand that your financial story is more than a credit score or a tax return.
We even allow unlimited NSF (non-sufficient funds) entries on bank statement loans, giving self-employed Michigan borrowers the breathing room they need to prove their actual financial capacity.
Foreign National Friendly
International investors looking to participate in Michigan’s thriving real estate market can rest easy. Our Foreign National program requires no credit score, no referral letters, and no visa, providing a streamlined path to U.S. property ownership.
Your Partner for Michigan Non-QM Lending
We specialize in creative Non-QM mortgage solutions for Michigan borrowers. Connect with us to learn more about non-QM loan programs.
