Expanded (Non-QM)

Get more financing flexibility

An Expanded loan, also known as a Non-QM loan, is an out-of-the-box alternative designed to deliver one thing: flexibility. When other loans aren’t quite cutting it, an Expanded loan can bridge the gaps. Several programs are available and have been tailored to meet the needs of different groups of borrowers.

Ideally suited for

  • Professionals with stock options on a future vesting schedule
  • Retired individuals using social security, pension or investments as income
  • Doctors, dental surgeons or veterinarians
  • Amazon employees with a signing bonus, stock options and/or salary
  • Self-employed individuals
  • Anyone with a lower credit score and less cash reserves

Program benefits

  • Loan amounts from $100,000 to $3 million
  • Leverage alternative income sources
  • Flexible qualification requirements
  • Non-warrantable condos can qualify
  • Interest-only financing available
  • Bank statement options
  • Allows for employment gaps

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All loans are subject to underwriter final approval, terms and conditions may apply. Subject to change without notice. Always consult an Accountant or Tax Advisor for full eligibility requirements on tax deductions.

Home Loan Guide

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  • Real people at your side to make the complex loan process simple
  • Hundreds of products and programs, especially for first-time homebuyers
  • Fast, responsive, in-house loan operations to get you funded on time