Enhances Non-QM Product Offerings to Empower Borrowers

Publish:08/25/2023, a leading online lending platform, is excited to announce a significant update to its non-QM product offerings. With a strong commitment to meeting the evolving needs of borrowers, has made several key enhancements that aim to provide greater flexibility and accessibility in the lending process. These updates include increased loan-to-value (LTV) ratios, expanded loan sizes, improved terms, and revised reserve requirements. Let’s delve into the details of these exciting changes.

1. Increased LTV at $1.5M:

In response to market demands, has raised the maximum LTV ratio to 90% for loan amounts up to $1.5 million. This update allows borrowers to access a higher percentage of their property’s value, enabling them to secure the financing they need while maintaining a healthy equity position.

2. Expanded Loan Size:

Recognizing the growing demand for larger loan amounts, has increased the maximum loan size to $7.5 million at 75% LTV. This enhancement opens up new possibilities for borrowers seeking substantial financing for their real estate ventures, empowering them to pursue their dreams with confidence.

3. Foreign National Financing: understands the importance of catering to the diverse needs of borrowers, including foreign nationals. To better serve this segment, the company has expanded its offering to provide financing up to 70% on the debt service coverage ratio (DSCR) for foreign national borrowers. This update ensures that individuals from around the world can access the funding they require to invest in the U.S. real estate market.

4. Extended Interest-Only Term:

In a bid to offer more flexible repayment options, has added a 30-year interest-only term to its Expanded and Non-Prime loan programs. Previously limited to 40 years, this update allows borrowers to enjoy a longer interest-only period, providing them with increased cash flow and financial flexibility.

5. Revised Reserve Requirements:

To streamline the lending process and reduce financial burdens on borrowers, has lowered the reserve requirement from 9 months to 6 months for loan amounts between $2 million and $2.5 million. This adjustment ensures that borrowers can meet the necessary reserve obligations while freeing up additional funds for other purposes.’s recent non-QM product update showcases the company’s commitment to empowering borrowers and meeting their unique financing needs. With increased LTV ratios, expanded loan sizes, improved terms, and revised reserve requirements, is well-positioned to provide a seamless and tailored lending experience. Whether it’s a foreign national seeking financing or a borrower looking for extended interest-only terms, is dedicated to helping individuals achieve their real estate goals.

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