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Non-QM Loan Programs

Access more nontraditional and portfolio lending programs to meet the needs of your borrowers.

Borrowers will want to go with you as soon as they hear the rate because of our ability to shop multiple wholesale lenders.

Niche Loan Programs

More Lenders, More Loan Types

Our platform offers 50 different lenders, giving Loan Officers like you the ability to offer a variety of loan types to your borrowers. Don’t get stuck with limited options at a big bank – join IMB™ and access a world of lending possibilities. Learn more about wholesale lenders in our wholesale resource guide.

Big Bank

Portfolio Programs / Non-QM

Alternative Credit
Alternative Income
ARM (Adjustable Rate Mortgages)
Asset Depletion
Bank Statement Loans
Bridge Loans
Cash Purchase
DPA (Down Payment Assistance)
DSCR (Debt Service Coverage Ratio)
Fix & Flip
Foreign National
HELOCs (Home Equity Line Of Credit)
ITIN (Individual Taxpayer Identification Number)
Land Loans
Lock & Shop
Manual Underwrites-Agencies
Marijuana Industry Borrowers
No Credit
Non-Warrantable Condos
Rate Buydowns
Renovation Loans
Reverse Mortgages
Unique Property Types
Loans in an LLC or Trust


Debt Service Coverage Ratio (DSCR)

Looks at a property’s income compared to its debt obligations. Properties with a DSCR of more than 1 are considered profitable, while those with a DSCR of less than one are losing money. Enables borrowers to purchase or refinance a rental property without providing tax returns, W-2s, and pay stubs.

All-In-One Loan

Up to 2 million loan amount, asset depletion allowed, 700 score required. Combines home financing & personal banking into one fluid offset account. Applies payments to loan principal first, reducing the loan balance faster & allows them to save thousands of dollars in interest. Includes ATM & VISA cards and checks. Interest computed daily after deposits & withdrawals to achieve the lowest payment.

More Appraisal & Guideline Flexability

If you get a conservative conventional appraisal, you can switch lenders and order a new appraisal. If a lender had an overlay or didn’t like a file, you can re-submit to another lender. Post-closing conditions allowed with pay stubs at a new job. Transcripts are not required even for self-employed borrowers with some wholesalers.

  • Buy Downs

    Many of our lenders offer. 3:2:1, 2:1, and 1:1.

  • Lock & Shop

    Many of our lenders offer at no cost for 60 days or less. 90 days or more can start to cost more or require an upfront fee.

  • DPA (Down Payment Assistance)

    CHFA, CHENOA, & true no down payment. We have 6 DPA programs. 2 Conventional & 4 FHA.