The non-QM market has grown significantly over the past few years and will be more important than ever thanks to trends like the shift to purchase, the growing gig economy and single-family rental investment. You have the opportunity to offer loan products to meet the needs of underserved borrowers, such as self-employed professionals, foreign nationals, high net worth individuals, and those with impaired credit. We help you deliver your non-QM offerings across your retail, wholesale, and correspondent channels.
Efficiency
Provide instant feedback to your originators, without waiting for a response from their account executive, scenario desk staff, or manual underwriting team.
Confidence
Eliminate surprises for your originators and borrowers with risk-adjusted pricing and program guidelines eligibility they can rely on up front.
Transparency
Empower all counterparties—originators, sellers, buyers, investors—to independently confirm the credit profile of each loan and demonstrate ATR and Fair Lending.
Scalability
Serve more borrowers and win more deals by easily and efficiently expanding your non-QM opportunities.
When it comes to non-QM, many originators do not fully understand the programs available and are afraid to spend time putting together a loan package that could be denied. That’s where we come in.
Our tools can be custom-tailored to your loan programs to make it easier for your originators to determine borrower fit, price accurately for risk, ensure adherence to guidelines, and obtain applicable supporting documentation. This decreases the false starts that can result in unexpected surprises, higher operating costs, and the burden of disclosures, adverse action, and HMDA reporting.
Get in front of brokers and correspondents who have never done a non-QM loan or had a bad experience putting one together. Our technology is already integrated with the most popular LOS platforms and can also be deployed via a turnkey web interface. Enterprise clients with proprietary platforms can reach all of our services via API integration.
Built by technology experts and mortgage industry professionals, our solutions allow you to provide your frontline originators with the tools they need to originate non-QM loans.