Empower Your Growth with Diverse Non-QM Lending Options
Discover a wealth of opportunities at Foundation Mortgage Wholesale and Correspondent, where our extensive range of Non-QM mortgage products goes beyond conventional boundaries to cater to the diverse financial needs of all our partners. Our non-QM loans are specially designed for situations that fall outside traditional lending guidelines, providing access to competitive rates and a variety of lending options aimed at promoting growth and mutual success in a constantly evolving market.
Full Doc Loans
Minimum FICO Score
620
LTV Up to
90%
- Max Loan Amount $5,000,000
- Great Rates on Competitive Pricing
Bank Statements Loans
Minimum FICO Score
620
LTV Up to
90%
- Max Loan Amount $5,000,000
- Great Rates on Competitive Pricing
- Flexible Expense Factors
Profit and Loss Loans
Minimum FICO Score
660
LTV Up to
85%
- Max Loan Amount $3,000,000
- Licensed tax preparer, CPA
DSCR Loans
Minimum FICO Score
620
LTV Up to
85%
- Loans up to $4,000,000
- Qualification based on property cash flow
- Low ratio and no ratio
- No personal income or employment info required
Up To 8 Unit Res Loans
Minimum FICO Score
660
LTV Up to
75%
- Max Loan Amount $3,000,000
- Licensed tax preparer, CPA
Foreign Nationals Loans
Minimum FICO Score
NA
LTV Up to
80%
- Loans up to $3,000,000
- Second Home or Investment Property
- Full, Alt-Doc and DSCR
- Unlimited Cash In Hand for LTV <=50%
ITIN Loans
Minimum FICO Score
660
LTV Up to
85% Full Doc, 80% Alt Doc
- Max Loan Amount $2,500,000 Full Doc Primary or Investment, $2M second home
- Full, Alt-Doc and DSCR >0.8
- Single Family, Condo and Co-Ops Available
Closed End Seconds Loans
Minimum FICO Score
680
LTV Up to
90%
- Max Loan Amount $1,000,000
- Max Combined Loan Amount $3,500,000
- Full Doc, Bank Statements, P&L, WVOE
- Primary, Second Homes or Investments
1099 Loans
Minimum FICO Score
620
LTV Up to
85%
- Max Loan Amount $3,000,000
- No business license or bank statements needed
- 1 or 2 years of 1099 income accepted
WVOE Loans
Minimum FICO Score
620
LTV Up to
85%
- Max Loan Amount $3,000,000
- No W-2s or tax transcripts needed
- 2-year employment history required
Become a Partner
Start your Non-QM journey and join Foundation Mortgage as a wholesale broker today to unlock the benefits of a partner to a Wholesale Lender specializing in non-QM mortgages.
