Our Programs 

Non-QM

Available on Rainier & Sequoia Non-QM

Qualify your full doc and alt doc borrowers easily with this innovative Non-QM solution.

  • In House Loan Decisions
  • Loan Amounts Up to $5M
  • Cash-Out Up to $3M
  • Qualify Using:
    • 12 or 24 Month Personal or Business Bank Statements
    • 1 or 2 Year 1099 with 10% Expense Ratio
    • 2 or 6 Months Bank Statements with Additional Documentation
    • Asset Depletion, Asset Utilization & More
  • Up to 90% LTV Owner Occupied Purchase
  • Up to 85% LTV on Rate & Term
  • Up to 55% DTI
  • Credit Scores as Low as 620
  • Cash-Out May Be Used as Reserves
  • Non Occupant Co-Borrowers Allowed
  • 2-1 Buydown Available
  • First Time Home Buyers Allowed
  • 15, 30 & 40-Year Fixed Rate Terms
  • 30 & 40-Year Interest Only Terms
Sequoia Non-QM
Rainier Non-QM

What Are The Benefits of A Non-QM Loan?

  • Flexible DTI Requirements – Borrowers may qualify even if their debt-to-income ratio is higher than traditional loan limits.
  • Combine Income Documentation – Allows co-borrowers to use different income documentation types together, creating more ways to qualify.
  • Higher Loan Amounts Without PMI – Access larger loan sizes without the added cost of private mortgage insurance.

Price Your Scenario

Use our Quick Pricer or Talk To Your Account Executive

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Check Out Our Turn Times For Our Non-QM Loans

Non-QM FAQ

Non-QM loans are designed to help borrowers who don’t fit in the rigid box of QM guidelines achieve homeownership. These loans can help borrowers like:

  • Self-employed borrowers
  • Business owners
  • Gig workers
  • Real estate investors
  • Contractors
  • Freelancers and more

Newfi Wholesale was founded in 2014 by industry veterans with over 20+ years of non-agency experience. Non-QM is what we do and what we specialize in! We offer competitive pricing, flexible guidelines, have 4.9/5 star rated service and do exceptions on our loans.

Rates change at any given time and it depends on the scenario, but QM and Non-QM loan rates are very similar. Contact an Account Executive or use our pricing tools today to get live pricing.