We specialize in Non-QM mortgage solutions for borrowers who need creativity. One of our newest programs allows entity vesting for all occupancy types, enabling qualified borrowers to take title in an LLC, corporation, or partnership rather than in their individual names.
Michigan Borrowers
Conventional lenders often have strict rules regarding ownership structures, making it difficult for borrowers who prefer to hold real estate in a business entity. Our Non-QM program offers a more creative approach, helping qualified borrowers structure ownership in a way that aligns with their financial and investment goals.
Entity Vesting Matters
Many Michigan real estate investors choose to own property through an LLC or other business entity for organizational, business, or asset management purposes. With entity vesting available across all occupancy types, borrowers have more options when structuring ownership while still accessing competitive mortgage financing.
Program Highlights
- Debt-to-income ratios up to 50%
- Minimum 660 FICO score
- 1/0 and 2/1 buydown options
- Loan amounts up to $3.5 million
- Up to 80% loan-to-value for purchases and rate-and-term refinances
- First-time homebuyers eligible
- Non-occupant co-borrowers allowed
- Cash-out financing available, including delayed financing options
- Up to 75% cash-out loan-to-value
- 40-year fixed mortgage options
- 40-year fully amortizing 5/6 and 7/6 ARM programs
- Gift funds accepted
- Gift of equity allowed
- Business funds accepted for eligible transactions
Contact our office for more information.
