Because Not Every Situation Fits Into a Square Box
What is a Non-Qualified Mortgage Loan?
When a borrower's situation doesn’t fit inside the box of a ‘qualified mortgage’ (meets all the consumer protection requirements of the Dodd-Frank Act) they may fit the requirements set forth by lenders/investors who offer a non-Qualified mortgage loan. Most individuals considering these options may have–or be: Self-employed, higher debt-to-income ratio, real estate investors, or looking for a mortgage over the conforming lending limits ($726,200).
What are the Benefits for a Non-Qualified Mortgage Loan?
- Higher lending limits (up to 4 million in some cases)
- Flexibility on personal and business financial documentation
- Programs for 4-10 unit apartment complexes
- Adjustable rates, interest only, and fixed rates available
Non-Qualified Mortgage Loan
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Having access to multiple lenders gives us a unique opportunity to find the lowest interest rates! And we don’t stop there. We will keep you informed in future markets to save you money if interest rates decrease.
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At Kolar Capital, we understand that buying a property can change your life. That's why we're dedicated to ensuring you get the mortgage you need.
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