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Non-QM Loans Programs
Empowered To Get Things Done.Is your client self-employed? Recovering from a credit event? Foreign National? Our Non-QM mortgage programs are built to smooth the process of funding these loans with Speed, Ease, and Convenience. Partner with HomeXpress for these eXceptional Non-QM loan products.
PrimeX
When your client just misses agency guidelines for Prime, our PrimeX product offers the lowest rates and reasonable qualifications for an almost Prime, Non-QM loan. Learn more by viewing our program and rate sheets page.
CoreX
A less-than-perfect credit score is at the core of our CoreX program, featuring Non-QM loans for borrowers with FICO credit scores as low as 600, at industry leading rates. View our programs and rate sheets page to learn more.
InvestorX/DSCR
Traditional lending doesn't always favor real estate investors seeking to acquire new rental properties for their portfolios. We help investors grow their portfolios with Non-QM loans by accepting full or alternative documents to show income. Our Foreign National programs offer expanded qualifications to help your investor clients grow their wealth. Learn more by viewing our programs and rate sheets page.
One-Stop Shop
We offer a full suite of products to meet each client’s unique needs.
Testimonials
I cannot say enough great things about my Account Executive, Tannia Ayala. She is incredibly knowledgeable, responsive, and consistently goes above and beyond to support me and my clients. No matter how busy things get, she's always quick to answer calls and emails, offer solutions, and provide clear, reliable guidance. Her professionalism and dedication have made such a positive impact on my transactions. I truly value having her as part of my lending team — her expertise, positive attitude, and willingness to jump in whenever needed give me complete confidence that my files are in the best possible hands. I highly recommend her to anyone looking for an experienced, dependable, and genuinely caring AE.
We just closed our first loan with our new rep Carleen Tillman and her team Ines and Kristen. We were pressed on time and dealing with a really tough file. Carleen and team went above and beyond to help overcome all obstacles and they were many and close before the end of the month, talk about clock striking midnight, we did it. Funded and recorded, bam! Very resourceful, positive and experienced team, thank you!!!
Angel is one of the best AE's I've worked with by far! She was so helpful and made sure we got the deal done. Will be working with her more often
Angel Almendarez, Account Executive is AWESOME to work with. She is always around the corner making sure the files process smoothly. There is never an issue on a file - why - Angels got it taken care of. I highly recommend this company and Angel
Fadia Abushukur consistently delivers excellent results. With a deep understanding of loan products and market trends, she effectively supported my clients and partners through the mortgage process from start to finish. Her strong communication, attention to detail, and commitment to customer service makes her a valuable asset to any lending team. She is always professional and responsive, Fadia builds lasting relationships and drives business growth with integrity and expertise. If you need a reliable and accountable Account Executive she is the best there is!
Laurie Souza is amazing. She is very knowledgeable and loans close fast!!! I recommend her 100%.
We’ve had the pleasure of working with Christian DiMaggio at Home Express Mortgage on a couple of transactions now, and we couldn’t be more impressed. Christian is the definition of outstanding service—always responsive, knowledgeable, and genuinely committed to making the process as smooth and efficient as possible. His professionalism and support were invaluable from start to finish. Every question we had was answered promptly, and he consistently went above and beyond to ensure our clients’ needs were met. Christian is a true asset to the Home Express team, and we look forward to many more successful deals together. Highly recommend!
Working with Christian DiMaggio at HomeXpress was an absolute game changer! As a retail lender, I brokered a DSCR loan for a client’s investment property, and Christian DiMaggio was informative, responsive, and lightning fast throughout the entire process. From our first conversation to the final closing, Christian DiMaggio made sure I had all the details, answered every question promptly, and guided the file with professionalism and precision.Thanks to Christian DiMaggio, we were able to close quickly and efficiently—something that's not always easy in this space. I genuinely appreciate how seamless he made the experience and how committed he was to getting it done right. If you’re looking for someone who truly knows this business and gets things done, Christian DiMaggio at HomeXpress is the guy. I look forward to working with Christian DiMaggio again very soon!
Great products, great speed and even better service. Jill, Mel and team are always very responsive and extremely helpful in determining the best fit for our clients. In one instance I had to send a rescue deal there and we closed from start to finish in 6 days!!! (Business purpose DSCR). Very grateful to have them as a partner.
HomeXpress is one of the best non-qm leaders I have ever used. As a branch manager they are my go-to lender. Not only is my account reps Mel and Jill very responsive, but they also know their business. They genuinely care about me and my clients.There rates and programs are very good. My clients and I could not be happier with them. I can call them and get them on the phone to discuss my clients needs and bounce ideas off of them anytime.Unlike many other non-qm lenders I have worked with, no only are the reps great, but their entire process is awesome. Thier underwriters don't add a lot of ridicules conditions to the loan files. Their closing department runs as smooth as a pocket watch. They close on time, and they do exactly what they say they will do.
I’ve had a fantastic experience working with HomeXpress. They offer great programs—especially their Non-QM options—that truly make homeownership possible for clients who might have thought it was out of reach.The team at HomeXpress is top-notch. Mel , Eric, and Jill are incredibly professional and work seamlessly together to move the mortgage process along quickly and efficiently. They’re dedicated, responsive, and always available when needed. Their underwriters are also accessible and supportive throughout the entire process.HomeXpress is a reliable partner in getting deals closed on time. Thank you for allowing me to increase my business. I highly recommend them!Liz Rosales GarciaMortgage ConsultantCity Bank Mortgage
Shout out to Lane Thompson in TX! What a great addition to HomeXpress - tons of knowledge and a fantastic human to his core! Appreciate all he does!
CARY CARLEN IS A GREAT AE. BEEN WORKING WITH CARY SINCE I FIRST HIRED HIM IN 2000. DOWN TO EARTH AND EASY TO TALK TO TYPE GUY
I am so glad that I partnered with this lender, HomeXpress. They were able to offer loan terms that none of my other lender could. My AE, Fadia Abushukur, was with me throughout the whole process. Non-warrantable condo close in 2 weeks with amazing pricing. Both myself and my clients are so happy.
Angel was excellent to work with! Super quick to respond to any kind of question. Would strongly recommend reaching out to her for any lending needs!
Great rates and great service with a wide range of products. I will definitely work with HomeXpress again.
We are direct Lender with Broker access! One of the Best Wholesale experience is with Phil Duncan Account Executive with HomeXpress Mortgage Corp. Why he is the best in my over 28 years plus in this industry. Myself was in charge of Countrywide Several States had 200 employees and 25 AE. He always answers his phone, knows his products, works the transaction with us, navigating until the closing! This is Customer Excellence. Closed millions with them because of Phil Duncan!
Amazing service and cannot say enough positive about Drew Sibley and HomeXpress Mortgage and their wonderful service. Glad found them.
MLO from Florida - I sent a Bank Statement loan investor deal to Dedreia and her team and they were rockstars! The customer service was above and beyond any AE I have come across in my years in this business. I will definitely be sending more Non-QM files to HomeXpress
I recently had the pleasure of working with Christian DiMaggio at HomeExpress, and I can confidently say he is the best broker I've worked with. I had been assisting a client for over a year, trying to find a loan solution that would allow her to stay in her home. I needed a broker who would truly listen, collaborate with me and the underwriter, and find a way to make it work.Christian exceeded all expectations. Unlike many brokers I've encountered, who often fall short in communication and setting clear expectations, Christian is the complete opposite. He is responsive, transparent, and follows through on his word. His ability to navigate complex loan scenarios and work efficiently made all the difference in getting this loan to closing.Thanks to Christian’s dedication and expertise, we not only secured the loan but also provided my client with additional cash-out funds, creating a clearer financial path forward. His professionalism and willingness to go above and beyond truly set him apart.If you're looking for a broker who is reliable, communicative, and committed to getting the job done right, Christian DiMaggio is the one to call. I highly recommend him and look forward to working together again in the future!— Becky
The hardest part about brokering a loan is deciding which lender to send the file to. Many lenders make promises, but who can deliver. I took a chance on HomeXpress and I'm glad I did. I had a really tough deal with a borrower who owned multiple companies and purchasing a new construction for nearly $2MM. Everything needed to work in order to meet this tight closing deadline of 7 days. Jodi is an incredible AE, she dug in and was incredible to work with. Cierra was all over it!!! What I loved is that everybody does their part and many of the conditions were cleared within hours of submitting them. Latiena did a fast job and I loved how everyone followed up and stayed on top of things. I really felt like everyone was all in and I was apart of the team immediately. I submitted the full file on a Thursday and it was cleared to close on Tuesday before Noon! The UW was responsive and reviewed with a make sense mindset and successful reviewed and cleared this file in record time. What an excellent file and team! I highly recommend HomeXpress as a great lending partner.
I've been in the mortgage industry for over a decade, as a mortgage banker. I have now officially closed my first broker file and I was blown away how smooth everything went! Thank you Christian DiMaggio, you and your team went above and beyond my expectations! My investors were thrilled and now looking for their next investment property to purchase. Your knowledge and expertise of the products is on point, thank you for guiding me through this new territory. I'm looking forward to closing many more loans with you.
The key to any financing resource is communication. The good news is that Fernando always answers his calls, if not immediately, within a very reasonable time frame. He is a unique resource.
A Huge Shout Out to Christian DiMaggio and his team, I had a really tough file and he identified the potential issues AND most importantly the SOLUTION needed for exceptions and to bring the file to a close when other NQM lenders could not! I and my happy Borrowers THANK YOU Christian!
Christian, is absolutely amazing at his job! He is very knowledgeable, diligent and thorough with each file. He will do everything in his power to make it to the closing table. Simply the BEST.
Christian is amazing!! From the beginning he set up the right expectations but also figured out the best way to structure a difficult deal that no one else could get done! HomeXpress was able to help get us to the closing table and I’m so thankful for all of Christian’s help and the HomeXpress team! Thank you again and can’t wait for our next deal together!!
As a seasoned mortgage professional with 25 years of experience and a top 50 ranking in the USA by Scotsman's Guide, my go-to choice for Non-QM lending is unequivocally Home Express Mortgage. Their unmatched proficiency often makes them my sole option; if they can't facilitate a deal, it's likely not worth pursuing. The synergy and understanding they bring to the entire mortgage process are exceptional.My account representative, Melanie McLanahan, is particularly noteworthy. Her deep appreciation for the effort realtors put into acquiring clients and generating referrals is evident. She understands the significance of each transaction to us and fosters a genuine partnership. Her commitment to exhaustively work through deals alongside me, with a shared goal of ensuring clients can responsibly afford their mortgage payments, is invaluable.The support team, including Erik and Angie, enhances this experience. Erik's regular updates with rate sheets and insightful market intelligence are indispensable. Meanwhile, Angie's efficiency in clearing conditions is nothing short of remarkable, akin to an expert navigating challenges with precision and skill.Their proactive communication, always being a step ahead, and their dedication to making every deal and relationship count, resonate strongly with me. It's a privilege to collaborate with a team that mirrors my dedication as a mortgage broker, and Home Express Mortgage embodies this ethos perfectly.
I wanted to take a moment to express my appreciation for the remarkable customer service we’ve received from Sara Walker.Sara’s dedication and commitment to providing exceptional customer service have truly stood out. Her attention to detail, professionalism, and willingness to go the extra mile to ensure customer satisfaction are commendable. It’s not every day that you come across someone who consistently exceeds expectations.Sara’s ability to address all concerns and resolve issues promptly, and deliver a positive experience has greatly contributed to our confidence in your company’s services. Her approach is a shining example of what excellent customer service should be.We believe that recognizing and appreciating exceptional team members is essential, and I wanted to make sure you were aware of the impact Sara has had on our experience as customers. She represents your company in a manner that reflects positively on your brand.Thank you for having such a dedicated and skilled professional like Sara on your team. We look forward to continuing our partnership and receiving the same level of outstanding service.Please extend our gratitude to Sara, and we hope her dedication and passion are acknowledged within your organization.
Working with Christian DiMaggio has been a delight. He has been nothing but professional, courteous and extremely helpful throughout the loan process. HomeXpress have an excellent employee. Really enjoy working with him. Highly recommend and will definitely use them again!!!!!
Christian is one of the best AE I have ever worked with. Extremely knowledgeable, friendly, and always available to answer your question. Great Experience. I highly recommend Christian and his team.
Keith and Angela, are the best team to do DSCR we love to work with them, and they do their best to close the loan fast and easy way!!!! they are one of our preferred lender in DSCR
I've been sending HomeXpress. The majority of my business for over 2.5 years. They have THE BEST service in the NonQM space. My Rep fights hard to make my tougher deals work and the easy ones fly through from submission to closing in days not weeks . They are the best. I'm actually 2nd guessing my review because I want to keep them all to myself !!!!
I have worked with a number of Lenders/Account Executives since I started my career. Stefanie Marabella & her Team at HomeXpress are unmatched in what they provide to my company and our mutual clients as a whole. I know when bringing a scenario to Stefanie, she is going to be fully transparent from the start. With her extensive knowledge, I know that we are structuring the deal to best meet the needs of our clients. Not all deals are seamless, but I wouldn't want to navigate unexpected obstacles with anyone else. I would highly recommend Stefanie & her team to anyone who is looking for not only a solid business partner, but someone who is honest, personable, & who always has your best interest at heart.
