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.


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.


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 640, at industry leading rates. View our programs and rate sheets page to learn more.


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.

Explore All Programs

One-Stop Shop

We offer a full suite of products to meet each client’s unique needs.

NPRA & Foreign National Loans

Affordable rates for non-citizen borrowers and foreign nationals. Whether investing in a new property or buying a home, we have great solutions!

Prime Jumbo Loan

Prime Jumbo loans help borrowers who need a higher loan amount than what conforming products can offer.

Government Loans

FHA and VA loans can be great solutions for First Time Home Buyers or those that have limited funds for a down payment.

Become an Approved Broker

Join the growing HomeXpress Mortgage Approved Broker Network. Partner with a leading provider of Non-QM loans and a Prime Jumbo solution. Build your book of business as you confidently close more loans with Speed, Ease, and Convenience.

Apply Today

Our Team

Our team collectively has over 75 years of experience in the mortgage industry. They have been a part of every aspect of the mortgage life cycle and your buyers will be well taken care of in their hands.

Kyle Walker

President and CEO

Bob Clafford

Senior Vice President, Operations

Mike Koch

Senior Vice President, Capital Markets

View More Teammates