Non-Conventional

More flexible requirements
Non-conventional home loans offer more flexible qualification requirements that rely more on the properties qualification, and less on your personal qualification. These are no income doc loans, so DTI and job stability does not play a factor in approval. These loans were designed for people who no longer or can not qualify for traditional financing.

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Requirements

1. Minimum 620 Credit Score
2. Asset requirement is 1% of all unpaid mortgage balances + 6 months of PITIA on the subject property
3. Minimum DSCR (Debt Service Coverage Ratio) is .75

Benefits

No maximum number of loans
‍Unlock your investment potential with the flexibility of no maximum number of loans – a unique benefit we offer.
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‍Can close in a company name
‍Close your loan in your company's name for added convenience and efficiency.

‍No income requirement
‍Experience flexibility and ease with no income requirements, making homeownership more accessible
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‍Minimal asset requirements
‍Want to pay off your mortgage early? No problem. You won’t get hit with prepayment penalties.

Possibility starts here.
Ready for a Non Conventional loan?

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Company NMLS– 2538224
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Main line: (832) 234-1030Fax Number: (832) 464-0807Toll Free Number: (833) 496-0982
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"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR ARESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND ACOMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGELENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINTFORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’SWEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE ISAVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OFCERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERSCAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. AWRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUNDMUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THEPAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND,PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."