Plaza Home Mortgage® has the non-QM lending solutions you're looking for.

Our non-QM mortgages are designed to qualify more borrowers and help you close more deals. With loan amounts from $100K to $3M, flexible terms, competitive rates, and our best-in-class client service and support, Plaza is your home for non-QM.

Plaza's Non-QM features to help you get deals done:

  • Bank Statement Income Calculation Service – send us the bank statements, we’ll calculate the income
  • Up to 50% DTI on Full Doc
  • Interest-only options
  • Asset utilization
  • Owner occupied, second home and investment properties
  • Cash-out can be used for reserves (Solutions Non-QM)

Your Non-QM Program Options

Program Highlights

  • Fixed expense factor option offered for business bank statements
  • 12 and 24 month full doc, personal or business bank statement
  • DTI up to 50% (Jumbo included)
  • Owner-occupied, second home and investment properties
  • LTVs to 95% (80% max for Interest-only) and no MI required
  • FICOs to 660
  • Texas Cash-out 50(a)(6) eligible

Program Highlights

  • 85% LTV and 640 credit score on primary 2-4 unit, second home and investment property. (Often 5-10% better than FNMA/FHLMC)
  • Document per DU – even assets/reserves
  • No MI!
  • Higher LTVs vs. standard jumbo
  • Great pricing vs. many other non-QM programs!
  • Very competitively priced compared to FNMA/FHLMC on investment properties- especially LTV > 80%
  • Loan amounts to $3M

Program Highlights

  • Loan amounts up to $2,500,000
  • Great pricing for non-owner occupied, full doc
  • 30- and 15-year Fixed Rate and 5/1, 7/1 and 10/1 ARMs
  • Primary residence purchase and rate/term transactions up to 85% LTV with no MI
  • Business and retirement funds allowed for down payment or closing costs
  • Texas (a)(6) eligible

For more information on our non-QM mortgages, or any other program or service, you can always reach us

Or, check out our non-QM options built specifically for investors.