Flexible options and dedicated service. Be confident.
Go Non-QM.

Today there are nearly 10 million self-employed Americans, and that number keeps growing. To help you serve this market, Plaza Home Mortgage® has solutions to fit the needs of the self-employed professionals and other non-W2 borrowers plus alternative documentation and expanded eligibility for W2 earners as well.

Our Solutions Non-QM program has:

  • Expanded eligibility guidelines and alternative documentation options:
    • Standard documentation
    • Bank statement
    • P&L
  • 1099
  • Asset depletion
  • Loan limits to $4 million, Fixed and ARM products, and IO w/ 40 yr term
  • A free Bank Statement Income Calculation service; so you can focus on originating, not calculating
  • A dedicated Non-QM Underwriting team to give you fast, accurate and consistent answers to questions and underwriting decisions.

Program highlights:
  • Loan amounts to $4M
  • Purchase, R/T, Cash-out
  • Owner-occupied, second home and investment
  • SFR, PUD, 2-4 units, condos, condotels
  • DTI up to 55%
  • LTVs to 90% and no MI required
  • FICOs to 660
  • Texas Cash-out 50(a)(6) eligible