Non-Qualifying Mortgages

Simply stated. a Non-qualifying loan is a funding solution for borrowers with unique financial
circumstances. Listed below are a few examples
Personal or business statements
100% of eligible deposits from personal and business accounts
Borrower’s qualifying income is calculated by 12 months most recent bank statements in
place of tax returns.
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The borrower is qualified based on verified liquid assets;
Assets must be documented sufficiently to cover the loan amount requested with an
additional reserve to cover all revolving, installment and miscellaneous debts (e.g. child
support, alimony, etc.);
Assets can be cash in the bank, stocks, bonds, IRA’s, 401k’s, mutual funds or any
retirement accounts;
12 months of consecutive statements are required for asset verification;
Tax returns are not needed in Underwriting.
100% of vested retirement for borrowers over 59 ½ years old and 50% of vested retirement
assets if borrowers are under 59 ½ years old
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Designed for experienced Real Estate Investor who is purchasing or refinancing
investment properties to be held for business purposes;
Borrower is qualified based upon the cash flow of the subject property, specifically the debt
coverage ratio
Income verification not required; or verified, tax returns not required.
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Loan amounts up to 7 Million
Maximum DTI of 50%
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Minimum Documentation for second, vacation or investment property
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Non-QM Loan Benefits
Ideal for self-employed and or people with non-traditional financial circumstances
Alternative income verification methods accepted
Foreign Nationals
Multiple fixed and adjustable loan options are available
Loan maximum is as high as $7 million
Primary, Second, Vacation and investment properties are eligible
1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all of Florida offering over 48 loans programs including Conventional Loans, Non-Conforming Loans, FHA Loans, VA Loans, USDA Loan, Self-Employed Loans, Bank Statement Loans, No-Doc Loans, Reverse Mortgage Loans, ITIN Loans, Rental Investment Loans, to name a few and specializing in Bank Statement Loans or “stated loans” requiring no Tax Return verification and much more. * No broker or lender fees are for FHA,VA, USDA and Conventional loan types Main Office: 2151 Consulate Dr. * Suite 8 * Orlando, FL., 32837 * Telephone (800) 655-1345 * (407) 300-2558 * Fax (877) 401-9955 We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106 When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp.
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Disclaimer: All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval. Loan charts highlight min/max constraints, assumptions & random scenarios only. We will always work hard to approve your loan but there are no guarantees of any kind expressed or implied that your loan we be approved. © 2007 - 2019 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I
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