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# HomeXpress Mortgage: Non-QM Loan and Prime Solution Mortgage Broker

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## Posts
- [H.R. 2656: A Closer Look at the Trigger Leads Abatement Act of 2023](https://homexmortgage.com/h-r-2656-a-closer-look-at-the-trigger-leads-abatement/): In 2023, the Trigger Leads Abatement Act (H.R. 2656) was introduced in the United States. This law generated debates and discussions across the country regarding the buying and selling of trigger leads in the financial industry.
- [Housing Market Shortage: The Root Causes and What You Need to Know](https://homexmortgage.com/housing-market-shortage-the-root-causes-and-what-you-need-to-know/): In January 2023, the US housing market experienced a severe shortage of homes, with only 1.6 months' supply available - a historic low. Although there has been a slight increase in the number of homes on the market, the demand from buyers greatly surpasses the available inventory. As a result, this scarcity has led to more intense competition, higher prices, and created challenges for both buyers and sellers.
- [How Borrowers benefit from a 1031 Exchange](https://homexmortgage.com/how-borrowers-benefit-from-a-1031-exchange/): Investing in real estate can be highly profitable but also comes with challenges. One major obstacle is managing taxes when selling investment properties. However, investors who understand capital gains tax can leverage the power of a 1031 exchange to their advantage.
- [Is the Claim of an Unfair Mortgage Rule on Borrowers With High Credit Scores True?](https://homexmortgage.com/is-the-claim-of-an-unfair-mortgage-rule-on-borrowers-with-high-credit-scores-true/): News outlets recently reported a rule focusing on mortgage borrowers with higher credit scores. The reality is that changes are being made to the Loan-Level Price Adjustments (LLPA) matrix by the Federal Housing Finance Agency (FHFA) in May 2023 to address housing affordability challenges in the US. The LLPA matrix applies pricing adjustments to base on factors such as credit score, loan-to-value ratio, occupancy type, and debt-to-income ratio and is used by Fannie Mae and Freddie Mac, which guarantee a significant proportion of new mortgages.
- [Why Entrepreneurs Benefit From Using Bank Statement Loans](https://homexmortgage.com/why-entrepreneurs-benefit-from-using-bank-statement-loans/): According to Legal Zoom, there are 31 million entrepreneurs in the U.S. Unfortunately, self-employed borrowers looking to purchase a primary, second home, or investment property face varying challenges when trying to obtain a mortgage with conventional lenders. Traditional lenders often turn down good borrowers despite their ability to afford the monthly housing costs. For this reason, entrepreneurs benefit from nontraditional programs. HomeXpress uses self-employed borrower’s 12 or 24 month personal or business bank statements to qualify their income instead of tax returns.
- [How Fluctuating Mortgage Rates Affect the Housing Market](https://homexmortgage.com/how-fluctuating-mortgage-rates-affect-the-housing-market/): In 2020, interest rates were at an all-time low. This made it possible for borrowers to buy larger homes or refinance their current property at a lower rate. However, all-time low-interest rates could not last forever. By January 2022, interest rates began to increase, limiting borrowers' purchasing power and eroding the refinance market.
- [Why Self-Employed Borrowers Embrace Bank Statement Loans](https://homexmortgage.com/non-qm-loans-bank-statement-loans/): What is a bank statement loan, and who benefits from it? A bank statement loan is a type of loan that allows a borrower to qualify for a mortgage using only their personal or business bank statements as documentation for their income.
- [Why Non-QM Loans Are Not The Same As Subprime loans.](https://homexmortgage.com/why-non-qm-loans-are-not-the-same-as-subprime-loans/): Today, Non-Qualified or Non-QM loans are growing in popularity, but there’s some confusion about what they really are. Let me start with the elephant in the room, they are not the same thing as subprime loans. Non-QM loans are a great solution for brokers to consider in helping those customers qualify for loans they otherwise would be excluded from under conventional underwriting guidelines.
- [Non-QM Is Set To Reach $80 Billion In Loan Originations In 2022](https://homexmortgage.com/non-qm-is-set-to-reach-80-billion-in-loan-originations-in-2022/): Are you leaving money on the table by only offering agency home loans? Non-QM loans have been increasing in demand since their inception in 2015. As a result, Non-QM is set to reach $80 billion in loan originations in 2022.
- [Borrowers May Be More Suited For Non-QM Loans In Today’s Soaring Housing Market.](https://homexmortgage.com/borrowers-may-be-more-suited-for-non-qm-loans-in-todays-soaring-housing-market/): Brokers who offer conforming and high-balance loan products may be feeling lighter in the pocketbook with today's soaring home prices.
- [Make-Up For Lost Production With Non-QM Loans](https://homexmortgage.com/make-up-for-lost-production-with-non-qm-loans/): Agency rates have been hovering at record lows for the past couple of years, traditional lending experienced a boon. However, in 2021 $40 million in Non-QM loans were originated and that number is expected to double in 2022. A recent HousingWire article indicated that agency business will shrink and get more expensive, and an increasing number of borrowers may not qualify under their strict guidelines.
- [CoreX Allows Homeownership After a Major Credit Event](https://homexmortgage.com/corex-allows-homeownership-after-a-major-credit-event/): With Federal stimulus and additional unemployment payments ending, and thousands of dollars in forbearances and foreclosure moratoriums ending, bankruptcies are sure to rise in 2022.
- [Foreign National and ITIN Loans](https://homexmortgage.com/foreign-national-and-itin-loans/): Foreign National is defined as an immigrant, Resident Alien, admitted for permanent residence. This community can remain in the United States indefinitely and work if they comply with regulations relating to their visa.
- [Social Media Influencers and Bank Statements Loans](https://homexmortgage.com/social-media-influencers-and-bank-statements-loans/): As of October 2021, there were more than 10 million self-employed people in the US. While Americans have pursued entrepreneurship for decades, there is an exciting new entrepreneur that may be underserved. These entrepreneurs are often referred to as "influencers" leveraging partnerships with brands for high-risk reward. They've rejected the idea of a corporate job with a W-2 in favor of promoting items to their followers online. In addition, The most successful of these influencers make millions of dollars in sponsorship and ads based on their content and audience base. With millions in revenue, these are attractive borrowers to brokers willing to look beyond the job description.
- [How Investors benefit from DSCR Loans](https://homexmortgage.com/how-investors-benefit-from-dscr-loans/): We're in the middle of a rental boom. Fortune.com indicated in December of 2021 that rent prices jumped an average of 11.6% on one-bedroom units this year, and two-bedroom units jumped by 13.6% So naturally, this rise in rental fees suggests investors will grow their portfolios with new rental properties.
- [Entrepreneurship and Non-Qm Loans](https://homexmortgage.com/entrepreneurship-and-non-qm-loans/): For many, entrepreneurship lies at the heart of the American dream. Over the decades, they have dreamed of owning their own business, being their own boss, and enjoying the fruits of their labor. The U.S. Bureau of Labor Statistics reports that 4 million Americans abandoned their corporate desks in the last two years to work for themselves. After establishing their own business, many seek to buy a home or even purchase an investment property. However, many feel this avenue is closed off to them as buyers without traditional documentation such as W-2's. This is where Non-QM loans can help. These loans provide a means for entrepreneurs without traditional documentation to achieve their piece of the American dream.
- [Low Rates Non-QM Loans](https://homexmortgage.com/low-rates-and-non-qm-loans/): Injecting money into the economy built confidence with the American people and eased pressure on interest rates; the resulting low-interest rates fostered a housing market boom. As noted in a recent CNBC Blog, we saw the median price for an existing home reach over $363,000 in June 2021, a 23.4% year-over-year increase. And over the past 15 months we have witnessed a growth in home prices the likes of which have not been seen in decades.
- [How young professionals are becoming homeowners with Non-QM loans.](https://homexmortgage.com/how-young-professionals-are-becoming-homeowners-with-non-qm-loans/): How young professionals are stepping into homeownership despite having student loans
- [Turn a No Into a Yes With Non-QM](https://homexmortgage.com/non-qm-yes/): Regulatory changes have caused agencies to be choosier about the loans they fund. As a result, more borrowers may hear "no" than a "yes". We can accommodate a variety of different borrowers- the self-employed, those who cannot qualify using tax returns, asset rich and cash poor, and real estate investors. HomeXpress can turn that "no" into a "yes" with Non-QM solutions. Let us tailor a solution that will work for your borrower.
- [Staff Profile:  Tyler Dorfner, Vendor Management Administrator](https://homexmortgage.com/staff-profile-tyler-dorfner-vendor-management-administrator/): Meet Tyler Dorfner, Vendor Management Administrator.  A new face to HomeXpress Mortgage, Tyler has quickly established himself as a rising star.  A graduate in Finance and Risk Management, Tyler started his career in the mortgage industry as an Underwriter.  As his passion for mortgage grew, he wanted to dive deeper into the industry.  At HomeXpress, Tyler has flourished.  He was recently promoted to Vendor Management Administrator where he continues to revolutionize systems and processes.
- [Increase Your Pipeline with Non-QM Business Purpose Loan Options!](https://homexmortgage.com/increase-your-pipeline-with-non-qm-business-purpose-loan-options/): As market supply shrinks and rates become more favorable, many mortgage brokers are starting to feel the pinch. It’s a competitive market. Some brokers are finding they’ve got fewer potential deals in their pipeline. A great way to attract more borrowers is by offering Non-QM business purpose loan options. If you haven’t yet funded a loan for your borrowers using Non-QM loan programs, now is the perfect time to start. Consider the following ways to reach more borrowers:
- [HomeXpress Moves into the Mortgage Lending “Xpress Lane” with New Website!](https://homexmortgage.com/homexpress-moves-into-the-mortgage-lending-xpress-lane-with-new-website/): Santa Ana, CA- Leading mortgage lender, HomeXpress Mortgage, is proud to announce the launch of its newly redesigned website at https://homexmortgage.com The new site features sleek and modern visuals coupled with an enhanced user experience (UX) design. These new design elements are critical to helping mortgage brokers find the information they need to make informed decisions on mortgage lending solutions.
- [Staff Profile: Ed Gallagher, VP of Operations](https://homexmortgage.com/staff-profile-ed-gallagher-vp-of-operations/): Meet Ed Gallagher, Vice President of Operations. A graduate of the University of Southeastern Louisiana, Ed originally intended to begin his career in consumer finance. However, luck brought him into the mortgage industry. With over two decades of experience, Ed builds relationships with customers that keep them coming back. With experience that spans many industry changes, Ed never forgets his early days. Keeping these memories close allows Ed to build relationships across the entire organization. No matter their experience in the field, Ed is able to build alliances that ultimately benefit our broker partners.
- [HomeXpress Mortgage Changes the Future of Non-QM Loan Solutions!](https://homexmortgage.com/breaking-news-non-qm-loan/): HomeXpress Mortgage has done it again! New program changes are here to help more brokers close more deals by offering incredibly flexible Non-QM loan solutions to their borrowers.  Give us a call at (855) 598-1430 or fill out our loan scenario to get started.
- [Will Your Mortgage Lender Allow Gift Funds?](https://homexmortgage.com/will-your-mortgage-lender-allow-gift-funds/): If you're in the market to purchase a house, your most significant upfront expense is going to be the down payment. Having a sizable down payment isn't always easy to accomplish, especially for first-time homebuyers.
- [Who Should Take Out Non-QM Loans?](https://homexmortgage.com/who-should-take-out-non-qm-loans/): Buying a home is a big deal. For some, it’s the fulfillment of a lifelong dream. Many of those who don’t have traditional income might feel like getting a mortgage loan. Luckily, there are options for those who don’t qualify for the standard, qualified loan.
- [Three Types of Bank Statement Loans](https://homexmortgage.com/three-types-of-bank-statement-loans/): While these three types of loans have a great deal in common, they are useful in different scenarios. Just like no two people are alike, no two loan needs are the same. With several options for bank statement loans, you stand the greatest change of getting the loan you need.
- [Own Your Dream Home in 2020 with a Non-QM Loan](https://homexmortgage.com/own-your-dream-home-in-2020-with-a-non-qm-loan/): With the start of a new year and a new decade, it’s the perfect time to move forward with your hopes and dreams. The beginning of the decade could be the perfect time to purchase a new home. Certainly, it’s time to check out options that you never knew existed before. 
- [Tips on Getting a Loan if You’re Self-Employed ](https://homexmortgage.com/tips-on-getting-a-loan-if-youre-self-employed/): Being self-employed has a lot of advantages. You have a more flexible schedule, but you also have to keep up with the administrative side of your business yourself. This is especially true when it comes to managing your own finances, which can make getting approved for a mortgage loan difficult.
- [7 Terms to Understand When Taking Out a Non-QM Loan](https://homexmortgage.com/7-terms-to-understand-when-taking-out-a-non-qm-loan/): As you may have found while looking for mortgage lenders in your area, some homebuyers don’t fall into the standard box for mortgage lenders. This can be for a variety of reasons, ranging from credit to income, and more.
- [How to Compare Bank Statement Loans from Different Lenders](https://homexmortgage.com/how-to-compare-bank-statement-loans-from-different-lenders/): Smart borrowers know to shop around for their mortgage. Many lenders offer bank statement loans, but not all programs offer the same benefits. Knowing which one is right for you can be challenging, but it’s important to understand how to compare the terms, rates, and programs offered by each lender. The more you know, the better off you are finding the right bank statement loan program.
- [Are Nonqualified Mortgages The Same as Subprime?](https://homexmortgage.com/are-nonqualified-mortgages-the-same-as-subprime/): Subprime mortgages first gained popularity in the early 2000s. However, there’s a new type of mortgage loan out there building upon the success of subprimes. Non-qualified mortgages are not subprime, but they are similar as they do not conform to the typical underwriting guidelines of qualified mortgages. 
- [Self-employed? You May Still Qualify for a Non-QM Loan](https://homexmortgage.com/self-employed-you-may-still-qualify-for-a-non-qm-loan/): Many Americans know how difficult it is to buy a home. This is especially true if you are self-employed. Little-known fact: for most lenders to give a self-employed individual a home loan, the borrower will need to prove at least two years of self-employment. 
- [How to Use Non-Traditional Credit to Get a Mortgage ](https://homexmortgage.com/how-to-use-non-traditional-credit-to-get-a-mortgage/): Finding your forever house can be difficult. What’s even harder is getting accepted for a loan to buy that dream house, especially if you have bad or no credit. That’s why many borrowers are looking to bank statement loans to help them finance their house. 
- [Who Benefits from Bank Statement Loan Programs?](https://homexmortgage.com/who-benefits-from-bank-statement-loan-programs/): FHA loans are still the most popular loans for homeowners. However, as more and more people looking to buy their first homes, they are discovering other types of loans, including bank statement loan programs. These programs came about because there were no alternatives for those who were unable to verify their income the traditional way. With a bank statement loan, you verify your income with bank statements instead of pay stubs or tax returns. 
- [Can You Make a Mortgage Payment With Your Credit Card?](https://homexmortgage.com/can-you-make-a-mortgage-payment-with-your-credit-card/): You pay all of your other bills with your credit card, so it makes sense to assume that you can pay your mortgage with a credit card. However, it can be difficult to find companies that will accept debt-for-debt payments. Whether you are allowed to pay your mortgage with a credit card will depend on several factors:
- [10 Terms First Time Home Buyers Need to Know](https://homexmortgage.com/10-terms-first-time-home-buyers-need-to-know/): If you are a first-time home-buyer, you have probably started hearing jargon from your realtor, loan officer, family, and friends that might as well be from another language. Terms like “bank statement loan” and “qualified loans” are dropped in casual conversations. To be ready, here is a little vocabulary lesson in words you should know.
- [Characteristics of Today’s Non-QM Mortgages](https://homexmortgage.com/characteristics-of-todays-non-qm-mortgages/): Non-qualified mortgage loans, loans that don’t meet the standard criteria for qualified mortgages, are becoming more popular. Many potential home buyers do not conform to the standard workweek and paycheck and thus appear risker to traditional lenders. Non-QM loans allow for greater flexibility in determining which borrowers are worth the risk.
- [How To Fix and Rebuild Bad Credit](https://homexmortgage.com/how-to-fix-and-rebuild-bad-credit/): Learning that your credit isn’t great can be a stressful realization. Low credit can mean higher interest rates or be completely disqualified for loans altogether. Luckily, you are never stuck with your current credit score. There are several unique ways to repair your credit, including bank statement loans and credit-builder loans.
- [Breaking Down Non-QM Lending](https://homexmortgage.com/breaking-down-non-qm-lending/): If you are looking to buy a house but don’t have typical income or credit, you might feel like you’ll never get your own home. While you may not qualify for the standard, qualified loan, you don’t need to give up hope. Luckily, there are non-qualified mortgage loans that exist for people like you. These non-QM loans may have had a bad rap in the past, but they are making their way back into popularity today.
- [Alternative Mortgage Lending and Credit Easing](https://homexmortgage.com/alternative-mortgage-lending-and-credit-easing/): All homebuyers are different. Everyone is unique in that they may or may not fall into the standard bucket of individuals looking for a conventional 30-year fixed-rate mortgage. Due to factors such as credit and income, individuals may believe a home is out of reach. Non-QM loans or a non qualified mortgage loan can assist these individuals.
- [Can Self-Employed Borrowers Qualify For Bank Statement Mortgage](https://homexmortgage.com/can-self-employed-borrowers-qualify-for-bank-statement-mortgage/): If you're self-employed, don't make the mistake of thinking that you can't take out a home loan. Self-employed borrowers may be eligible for some good mortgage programs. This includes loans that don't require you to submit tax returns but let you use your bank statement to verify your income instead.  Multiple lenders now offer bank statement loan programs. 
- [What Are Non-QM Loans Versus QM Mortgage?](https://homexmortgage.com/non-qm-loans-versus-qm-mortgage/): Many people have the dream of one day owning a home; however, only a few people can purchase a home in cash. Therefore, nearly everybody needs to take out a loan in the form of a mortgage. It can be a challenge to convince a bank, credit union, or another lender that someone is qualified for a loan. The lender is likely going to do a detailed check, taking a look at the credit score, income history, and current assets on hand.
- [Things to Keep in Mind Before Applying for a Bank Statement Loan](https://homexmortgage.com/things-to-keep-in-mind-before-applying-for-a-bank-statement-loan/): If you are in the market for a home, you are likely in the market for a mortgage loan. For some people, a traditional mortgage loan is out of the question. If you have applied for a traditional loan but been denied due to credit issues or inconsistent income, bank statement mortgage loans might be your answer. Below is a little information about these loans about what you should know.
- [24 Month Bank Statement Loans – How to Qualify](https://homexmortgage.com/how-to-qualify-for-24-month-bank-statement-loans/): With the ever-increasing number of freelance, gig-economy, and other non-traditional employment, it’s no wonder that some banks are moving away from only offering traditional, qualified loans. One of the newest programs for non-traditional workers is the 24-month bank statement loan. These bank statement loans take a holistic look at a worker’s income instead of relying only on W2s.
- [Non-QM Loans: Getting a mortgage loan with non-traditional employment](https://homexmortgage.com/non-qm-loans-getting-a-mortgage-loan-with-non-traditional-employment/): Freelance and non-traditional employment is becoming more prevalent in today’s world. An estimated 50 million people throughout the U.S. are turning to non-traditional work, whether it’s starting their own businesses, freelancing, or being part of the gig economy (with companies like Uber, Airbnb, etc.). While the freedom to pursue freelance work is wonderful, there can be issues when trying to obtain a mortgage loan. Luckily, non-qualified mortgage loans (non-QM) are a perfect solution for the modern-day worker.
- [How a Bank Statement Mortgage Works](https://homexmortgage.com/how-a-bank-statement-mortgage-works/): If you have income that is difficult to document or take advantage of many tax write-offs, you might find it challenging to qualify for a traditional home loan. Regulatory measures from the Consumer Financial Protection Bureau can make it more difficult to qualify for a mortgage without a standard W2. Luckily, there is a newer product out there: the bank statement loan.
- [Non Qualified Mortgage Rates, Lenders, Guidelines for 2019](https://homexmortgage.com/non-qualified-mortgage-rates-lenders-guidelines-2019/): There are a variety of reasons that some potential homebuyers feel they may not qualify for a standard mortgage: credit scores, employment status, and/or income, to name a few. This can lead these homebuyers to believe that a new home will never be in their future. The good news is that these homebuyers shouldn’t give up hope; a non-qualified mortgage loan (non-QM) comes into play.
- [Why prospective borrowers should say yes to Non-QM Loans](https://homexmortgage.com/why-prospective-borrowers-should-say-yes-to-non-qm-loans/): Non-Qualified loans otherwise referred to as Non-QM loans are currently proving to be the best alternative financial reprieve for many prospective borrowers. Non-QM loan's popularity stems from the fact that they bypass the existing Consumer Financial Protection Bureau (CFPB)
- [Things that mortgage lenders fear seeing on bank statements](https://homexmortgage.com/things-that-mortgage-lenders-fear-seeing-on-bank-statements/): One of the critical documentation that your lender might ask for during a mortgage loan application process is your bank statements. The mortgage lender uses the bank statements to assess and verify the borrower's credit history and the ability to repay the loan on the specified period. The lender uses the information provided for on the bank statements to see if the borrower can cover the down-payment expenses from the existing checking or savings accounts.
- [Mishaps to look out for when applying for a mortgage loan](https://homexmortgage.com/mishaps-to-look-out-for-when-applying-for-a-mortgage-loan/): Mortgage loans are a preferred method used by property and residential owners to secure loans to be used to raise funds to purchase or build real estate for or for any other purpose. The owner's property or residential estate is used as collateral to secure the mortgage loan. The lender of mortgage loans in many instances are banks, which agrees with the borrower on the terms of the loan.
- [Bank Statement Mortgage Loan Programs in 2019](https://homexmortgage.com/bank-statement-mortgage-loan-programs-in-2019/): Taxable income should not stop one from getting a low-rate mortgage. It is estimated that close to 12% of the American workforce are self-employed in 2019. At times, people who fit into the self-employed class have certain issues when it comes to acquiring loans. This is due to the fact that their documentation for income is usually complicated and would need much paperwork. Most people just prepare their tax returns in honest ways, but due to the deductions, it might appear that they make less money and that could lead into certain problems.
- [Lenders that Offer Bank Statement Loans](https://homexmortgage.com/lenders-that-offer-bank-statement-loans/): Essentially, Bank Statement Loans exist for the benefit of self employed persons who are unable to document their income and require assistance to qualify for a mortgage. In this case, a bank statement is used to verify income and qualify for a mortgage instead of tax returns.
- [How Borrowers and Realtors Benefit from Non-QM Loans](https://homexmortgage.com/how-borrowers-and-realtors-benefit-from-non-qm-loans/): If you’re a borrower or a realtor looking for non qm loans, there are many ways you can benefit from them. Please take some time to learn about how they help you.
- [Lenders that Offer Non-QM Loans (2019)](https://homexmortgage.com/lenders-that-offer-non-qm-loans-2019/): Are you looking for non-qm loans for your private residence, and you’re not sure who to turn to? Consider seeking help from HomeXpress Mortgage. Read about our services below.
- [Qualified vs. Non-QM Loans](https://homexmortgage.com/qualified-vs-non-qm-loans/): For anyone who has been through the mortgage process, the concept of qualifying for a traditional loan should be rather familiar. Mortgages, including non-qm loans, are regulated at both the state and federal levels and require a considerable degree of transparency and standardization.
- [How The Self-Employed Can Benefit From Non QM Loans](https://homexmortgage.com/how-the-self-employed-can-benefit-from-non-qm-loans/): If you’re self-employed and want to buy a house, you will find that it’s difficult to get a loan. The underwriting guidelines for home loans don’t cater to the needs and abilities of the freelancer, business owner, or contractor.
- [Mortgage Options for the Self-Employed](https://homexmortgage.com/mortgage-options-for-the-self-employed/): There are some who contend there has never been a time in American history where so many self-employed and entrepreneurial people have either started or are planning to start their own business. There are more than a few theories as to why this is taking place, but the practical reality of the situation is creating demand from ambitious people for options like bank statement loans in the housing market.
- [Steps to Ensure Quality with Bank Statement Loans](https://homexmortgage.com/steps-to-ensure-quality-with-bank-statement-loans/): Bank statement loans are a new development in lending that makes it easier for self-employed people to borrow money. That’s because they’re designed to require only bank statements, rather than tax returns, to prove eligibility for a loan. Banks are able to see both your monthly income and outgoing expenses, giving them a clear understanding of what you can afford.
- [Easier Bank Statement Loans Guidelines for the Self-Employed](https://homexmortgage.com/easier-bank-statement-loans-guidelines-for-the-self-employed/): Financial institutions operate under very stringent rules and regulations that keep watch of all activities and ensure financial stability. Advancing of loans has conventionally been a product of the employed with the self-employed getting subjected to lengthy process before their money is disbursed. New loan guidelines have brought solace as bank statement mortgage loans are now being given to those in the private sector.
- [Self-Employed? Buy a Home with a Bank Statement Mortgage](https://homexmortgage.com/self-employed-buy-a-home-with-a-bank-statement-mortgage/): If you are self-employed like many young people in this generation, you might be worried about getting a mortgage. Sadly, for most people who are self-employed, they are likely to miss out on obtaining a mortgage.  However, you should not give up yet on getting a good mortgage deal, especially if you have dependable income and good financial records making you a good fit for getting a bank statement mortgage loan.
- [Are Non-QM Loans Here To Stay?](https://homexmortgage.com/are-non-qm-loans-here-to-stay/): Analysts are trying to determine whether or not the public’s interest in non qualified mortgage loans will last. It should be noted that plenty of people are still interested in the features associated with Non QM loans.
- [Non-qm loans for self-employed individuals](https://homexmortgage.com/non-qm-loans-for-self-employed-individuals/): A non-qualified mortgage is any home loan that fails to comply with the Consumer Financial Protection Bureau’s (CFPB) existing rules on qualified mortgage. For a person to get a mortgage, he should have a steady employment record. This requirement suppresses the borrowers who have seasoned jobs or are self-employed. Good thing they can apply for non-qm loans.
- [Frequently Asked Questions about Bank Statement Mortgage Loans](https://homexmortgage.com/frequently-asked-questions-about-bank-statement-mortgage-loans/): It is essential to understand the ins and outs of mortgages before you secure one. The last thing you want to do is to commit a financial mistake that may have severe repercussions on your future financial life.
- [How Do Bank Statement Loans Help Self-Employed Individuals?](https://homexmortgage.com/how-do-bank-statement-loans-help-self-employed-individuals/): If you are self-employed or a business owner, there comes a time when you want to purchase your dream home or refinance the existing one. However, since you are self-employed and you do not have salaried income, getting qualified for bank statement loans can be easier than qualifying for a traditional home loan.
- [Does Bankruptcy Affect Mortgage Lending?](https://homexmortgage.com/does-bankruptcy-affect-mortgage-lending/): Most homeowners deciding to file Chapter 13 or Chapter 7 bankruptcy wonder how this will affect their mortgage. It is important to understand how filing bankruptcy can affect your existing mortgage or your ability to obtain home financing in the future. Most people decide to go for bank statement loans to counter the effects of bankruptcy on mortgage payments.
- [How Do Non-QM Loans Help Self-Employed Individuals?](https://homexmortgage.com/how-do-non-qm-loans-help-self-employed-individuals/): Non QM loans refer to home loans that fail to comply with the Consumer Financial Protection Bureau’s rules on Qualified Mortgage (QM). For anyone to get home financing, they need to be employed. This requirement often shut the chances of the self-employed or those with seasoned jobs from landing a dream home. Such group of people can go for non qualified mortgage loans . Being self-employed, at times may prove very difficult to convince mortgage lenders that you have a steady income. Mortgage lenders may be hesitant in giving you a mortgage loan because of the self- employment status.
- [Who Needs Bank Statement Loans?](https://homexmortgage.com/who-needs-bank-statement-loans/): Bank Statement Loans is a program meant mostly for the self-employed. They buy and can refinance their homes without worrying about tax returns and provision of the extensive documentation. The small business owners, freelancers, entrepreneurs, and self-employed persons are advised to get a bank statement mortgage loan at a low-rate without being stopped due to the taxable income.
- [Why Lenders Want To See Your Bank Statements](https://homexmortgage.com/why-lenders-want-to-see-your-bank-statements/): Do you manage your money responsibly? If you know the financial weaknesses that are deal breakers for lenders, you can strengthen your chances of being given a loan. Mortgage lenders are trained to spot financial mismanagement, and they carefully review your application to decide whether to approve or deny you a home loan—your transaction history is critical for bank statement loans.
- [Who Needs Non-QM Lending?](https://homexmortgage.com/who-needs-non-qm-lending/): Non-QM loans represent a flexible way that lending institutions offer mortgages to its customers. There exist huge opportunities for lending companies to make significant interest by exploring this market. Nonqualified lending got introduced as an alternative to strict regulations in the loan market that limited the home buyers from acquiring a mortgage loan.
- [Insight about Non QM Loans](https://homexmortgage.com/insight-about-non-qm-loans/): One of the significant accomplishments in a person’s life is to own a home. If you are not financially well-off, you can use a mortgage to purchase a home. There are various types of mortgages, and in this context, we will discuss about non-QM loans.
- [Bank Statement Loan Requirements You Should Know About](https://homexmortgage.com/bank-statement-loan-requirements-you-should-know-about/): Self-employed individuals have the opportunity to finance a new home in the form of bank statement loans. With this option, they no longer need to use tax returns. What they can do is provide the lender with a proof of income.
- [7 Questions You Should Ask Yourself Before Getting A Bank Statement Loan](https://homexmortgage.com/7-questions-you-should-ask-yourself-before-getting-a-bank-statement-loan/): Acquiring bank statement loans isn’t difficult as some financial companies don’t base their decision entirely on the credit score. They do consider the borrower’s monthly bank statements to determine if he’s capable of repaying the loan.
- [What Are Non QM Loans And How Are They Different From Qualified Mortgages](https://homexmortgage.com/what-are-non-qm-loans-and-how-are-they-different-from-qualified-mortgages/): A number of people will specifically try to get non-qualified mortgage loans today. The differences between qualified loans and non-qualified loans are actually more complicated and extensive than they seem, at least in practice. Still, non QM loans are unmistakable.
- [Helping clients find the right non-qm loans](https://homexmortgage.com/helping-clients-find-the-right-non-qm-loans/): The client also has to know the requirements of this kind of credit, and they also have to realize why it is better than the QM loans in cases of inadequate finances.
- [Non-qm loans for consumers with low credit](https://homexmortgage.com/non-qm-loans-for-consumers-with-low-credit/): When experiencing bankruptcy, one is forced to wait for some period to qualify for a mortgage via QM-loans. However, that is not the same with non-qualified mortgage loans. There is no minimum waiting period required for non-QM loans. And hence, low-income customers can enjoy access to them at any time.
- [How bankruptcy affects mortgage lending](https://homexmortgage.com/how-bankruptcy-affects-mortgage-lending/): Consequently, before you file for bankruptcy, you should first understand the possible risks and benefits that may arise and how the process can affect your mortgage lending. The following are some of the ways on how bankruptcy affects mortgage lending:
- [How soon can borrowers get non qualified mortgage loans after a foreclosure?](https://homexmortgage.com/how-soon-can-borrowers-get-non-qualified-mortgage-loans-after-a-foreclosure/): Many people who may have lost their homes during the time of recession are now able to get mortgages again. This is mainly owing to the fact that they waited seven years for the black mark to be lifted from their credit record. Records show that more than 5 million American families have lost their homes between 2007 and 2014. If a mortgage does not comply with the rules for a qualified mortgage, then it is a non-qualified mortgage.
- [Bank statement mortgage loans 101 for brokers](https://homexmortgage.com/bank-statement-mortgage-loans-101-for-brokers/): A mortgage is a legal agreement or statement that is utilized by credit financiers or banks to lend money to borrowers at an interest rate in exchange of the debtor’s title for a specific property. Usually, the conveyance of the title of the debt becomes void upon payment.
- [Bank statement loans for self-employed individuals](https://homexmortgage.com/bank-statement-loans-for-self-employed-individuals/): Did you know you can now access bank statement loans as a self-employed business person? Now, it is possible to acquire bank statement loans even when tax returns say otherwise. Bank statements are used by lenders to provide a whole chunk of information about your financial status and credibility.
- [Product Matrix](https://homexmortgage.com/product-matrix/)

## Pages
- [Arive Partnership](https://homexmortgage.com/arive-partnership/)
- [Mortgage Calculator](https://homexmortgage.com/mortgage-calculator/): Speak to an Account Executive
- [Exercising Your Rights](https://homexmortgage.com/privacy-policy-2/exercising-your-rights/): You may exercise your Privacy Rights by submitting a consumer request to:
- [Disclosures and Licenses](https://homexmortgage.com/disclosures-and-licenses/): Notice to Texas Applicants pursuant to 7 TAC §56.200(c)
- [Xpress Quick Pricer](https://homexmortgage.com/xpress-quick-pricer/): Disclosure: The HomeXpress Mortgage Corp Quick Pricer is intended for informational purposes only and for use by mortgage professionals and is not a commitment to lend. Loan qualification factors include but are not limited to the borrower’s personal financial situation, verified credit score, income, debt, subject property, and assets, etc. All illustrations are non-binding and not qualified as a Loan Estimate under Reg. Z.
- [Cookie Policy](https://homexmortgage.com/cookie-policy/): Please wait while the policy is loaded. If it does not load, please click here.
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- [Privacy Policy](https://homexmortgage.com/privacy-policy-2/): Keeping your information secure and ensuring your understanding of how we collect, use and maintain such information is important to us. This privacy policy (this “Privacy Policy”) describes how we collect, share, and safeguard your information collected through our website located at https://homexmortgage.com/ (the “Website”)
- [News](https://homexmortgage.com/news/): San Ramon, CA and Santa Ana, CA – February 26, 2026
- [Consumer Purpose](https://homexmortgage.com/consumer-purpose/)
- [Frequently Asked Questions](https://homexmortgage.com/frequently-asked-questions/): HomeXpress Mortgage CorpISAOA1936 E. Deere Avenue, Suite 200Santa Ana, CA 92705(Note: The ISAOA is not used in Texas)
- [Webinars](https://homexmortgage.com/home/webinars/)
- [Consumer Direct](https://homexmortgage.com/consumer-direct/)
- [Contact](https://homexmortgage.com/contact/): setTimeout(function(){var ct_input_name = "ct_checkjs_cf7_fe9fc289c3ff0af142b6d3bead98a923";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, '277739798');}}, 1000);
- [Broker Testimonials](https://homexmortgage.com/broker-testimonials/)
- [Blog](https://homexmortgage.com/blog/)
- [Terms Of Use](https://homexmortgage.com/terms-of-use/): HomeXpress Mortgage (“HomeXpress,” “we,” “us,”) requires that all visitors to our website located at www.homexpressmortgage.com (the “Website”) adhere to the following Terms of Use (“Terms”). By accessing or using the Website, you agree to these Terms.
- [Terms & Conditions](https://homexmortgage.com/terms-conditions/)
- [Find an Account Executive](https://homexmortgage.com/find-an-account-executive/)
- [Forms](https://homexmortgage.com/forms/)
- [Loss Payee/Admin Fees](https://homexmortgage.com/loss-payee-admin-fees/)
- [Approved AMC List](https://homexmortgage.com/approved-amc-list/): HomeXpress Appraisal Policy HomeXpress Mortgage Corp follows all USPAP/regulatory appraisal statutes Broker-owned or operated Appraisal Management Companies (AMC) are not allowed Appraisals are valid up to 120 days from completion Appraisals older than 120 days will require a re-certification of value Appraisals older than 180 days are not valid and will not be accepted APPRAISAL APPRAISAL NATION Ascribe CLASS VALUATION ENCORE EQUITY FASTAPP Nationwide Appraisal Network OPTEON Broker Registration OPTEON Order PROPERTY RATE ZAP APPRAISALS In an effort to better serve our valued brokers please be advised when an approved HomeXpress Mortgage AMC is selected, the appraisal will be submitted directly to the HomeXpress Mortgage appraisal desk and the review process will begin. The AMC will provide a copy of all documents received and additional notifications to the email address(s) on the appraisal order.
- [Payment  (BSI Financial)](https://homexmortgage.com/payment-bsi-financial/)
- [Resources & Tools](https://homexmortgage.com/resources-tools/)
- [Submit Your Loan Scenario](https://homexmortgage.com/submit-loan-scenario/)
- [Broker Portal](https://homexmortgage.com/broker-portal/)
- [Online Broker Application](https://homexmortgage.com/online-broker-application/)
- [Broker Approval Procedure](https://homexmortgage.com/broker-approval-procedure/)
- [Broker Access](https://homexmortgage.com/broker-access/)
- [Business Purpose](https://homexmortgage.com/business-purpose/)
- [About Us](https://homexmortgage.com/about-us/)
- [Careers](https://homexmortgage.com/careers/)
- [Meet Our Leadership](https://homexmortgage.com/meet-our-leadership/)
- [Where We Lend](https://homexmortgage.com/where-we-lend/)
- [What is Non-QM](https://homexmortgage.com/non-qm-loans/)
- [Welcome to HomeXpress](https://homexmortgage.com/welcome-to-homexpress/)
- [Home](https://homexmortgage.com/)
- [Sample Page](https://homexmortgage.com/sample-page/): This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this:
- [Privacy Policy](https://homexmortgage.com/privacy-policy/): Please wait while the policy is loaded. If it does not load, please click here to view the policy.

## Team
- [David Grider](https://homexmortgage.com/team/david-grider/): David Grider is our Senior Vice President of Wholesale Lending.  His primary responsibilities are business development, sales staff training and leading the company's branding efforts to gain exposure in the marketplace.  In addition, he is responsible for sustaining quality service levels by managing Sales Managers and Account Executives.  Mr. Grider brings 33 years of experience and is the most tenured sales team member at HomeXpress Mortgage.  Prior to HomeXpress, he has served many roles in the mortgage industry including Regional Vice President, Internal Auditor, Compliance Trainer and Senior Account Executive.  David holds a Bachelors Degree in Accounting from Saint Martins University in Lacey, WA.
- [Mike Koch](https://homexmortgage.com/team/mike-koch/): Drawing on his executive management experience with both Fortune 500 companies and smaller private institutions, Mike Koch serves as SVP, Capital Markets for HomeXpress Mortgage Corp. In his current role, Mr. Koch is responsible for analyzing and interpreting company data in order to implement change and drive performance. He conducts financial modeling, forecasting, asset-liability, and liquidity management. In addition, he is responsible for maintaining and establishing new relationships with banks, broker/dealers, and lending partners. In his previous positions as Chief Financial Officer for Evangelical Christian Credit Union (ECCU) and as Senior Vice President of Capital Markets for Fremont Investment & Loan, Mr.Koch was responsible for monitoring financial performance and oversight of various departments. He served on the Supervisory Committee and Board of Directors of Eagle Community Credit Union for over a decade and as Chairman of the Board for three years. Mike holds a graduate degree in Economics from The University of Southern California.
- [Bob Clafford](https://homexmortgage.com/team/bob-clafford/): Bob Clafford currently serves as head of Operations for HomeXpress Mortgage Corp, where he is responsible for underwriting and all operational units, risk management and the maintenance of profitable long term relationships. Before joining HomeXpress, Mr. Clafford spearheaded production teams in Southern California for Mountain West Financial and PMAC. He also served as Senior Vice President for the Residential Real Estate Division of Fremont Investment & Loan, overseeing nationwide production teams of 1500 in Sales & Operations and Marketing while generating in excess of $3 billion of loan volume per month. Prior to this, Mr. Clafford was Regional Vice President with Associates Financial Services, where he directed staff members at 12 US locations, driving record profits. Earlier in his career, Mr. Clafford also ranked among the nation’s top Branch Managers at BNY Mellon. Bob majored in Business at The College of DuPage and has completed elite training programs in senior level financial services management.
- [Kyle Walker](https://homexmortgage.com/team/kyle-walker/): As President and CEO of HomeXpress Mortgage, Kyle Walker is responsible for implementing the Company’s mission through effective leadership, vision and management. His previous roles include six years as Manager for Home America, where he developed a business strategy of creating investment funds which purchased REO’s nationally. Previously, Mr. Walker served as the President and Chief Executive Officer for Fremont Investment & Loan, a $14B California chartered industrial bank that engaged in the origination and sale of wholesale sub-prime residential mortgages, commercial real estate lending and retail banking. In this position, he oversaw 3,300 employees and directed a national residential real estate lending platform with five regional locations, resulting in over $30B in annual production and a $28B servicing portfolio. During his fourteen-year tenure at Fremont, Mr. Walker also held the titles of Chief Operating Officer and Executive Vice President of Residential Real Estate Lending. He started his career with Associates Corp and over a ten year period held numerous management level positions.

## States
- [California](https://homexmortgage.com/states/california-2/)
- [Wyoming](https://homexmortgage.com/states/wyoming/)
- [West Virginia](https://homexmortgage.com/states/west-virginia/)
- [Oklahoma](https://homexmortgage.com/states/oklahoma/)
- [New Mexico](https://homexmortgage.com/states/new-mexico/)
- [Nebraska](https://homexmortgage.com/states/nebraska/)
- [Missouri](https://homexmortgage.com/states/missouri/)
- [Mississippi](https://homexmortgage.com/states/mississippi/)
- [Massachusetts](https://homexmortgage.com/states/massachusetts/)
- [Kentucky](https://homexmortgage.com/states/kentucky/)
- [Iowa](https://homexmortgage.com/states/iowa/)
- [Hawaii](https://homexmortgage.com/states/hawaii/)
- [Wisconsin](https://homexmortgage.com/states/wisconsin/)
- [Washington](https://homexmortgage.com/states/washington/)
- [Virginia](https://homexmortgage.com/states/virginia/)
- [Utah](https://homexmortgage.com/states/utah/)
- [Texas](https://homexmortgage.com/states/texas/)
- [Tennessee](https://homexmortgage.com/states/tennessee/)
- [South Carolina](https://homexmortgage.com/states/south-carolina/)
- [Rhode Island](https://homexmortgage.com/states/rhode-island/)
- [Pennsylvania](https://homexmortgage.com/states/pennsylvania/)
- [Oregon](https://homexmortgage.com/states/oregon/)
- [Ohio](https://homexmortgage.com/states/ohio/)
- [North Carolina](https://homexmortgage.com/states/north-carolina/)
- [New Jersey](https://homexmortgage.com/states/new-jersey/)
- [New Hampshire](https://homexmortgage.com/states/new-hampshire/)
- [Nevada](https://homexmortgage.com/states/nevada/)
- [Montana](https://homexmortgage.com/states/montana/)
- [Minnesota](https://homexmortgage.com/states/minnesota/)
- [Michigan](https://homexmortgage.com/states/michigan/)
- [Maryland](https://homexmortgage.com/states/maryland/)
- [Maine](https://homexmortgage.com/states/maine/)
- [Louisiana](https://homexmortgage.com/states/louisiana/)
- [Kansas](https://homexmortgage.com/states/kansas/)
- [Indiana](https://homexmortgage.com/states/indiana/)
- [Illinois](https://homexmortgage.com/states/illinois/)
- [Idaho](https://homexmortgage.com/states/idaho/)
- [Georgia](https://homexmortgage.com/states/georgia/)
- [Florida](https://homexmortgage.com/states/florida/)
- [District of Columbia](https://homexmortgage.com/states/district-of-columbia/)
- [Delaware](https://homexmortgage.com/states/delaware/)
- [Connecticut](https://homexmortgage.com/states/connecticut/)
- [Colorado](https://homexmortgage.com/states/colorado/)
- [California](https://homexmortgage.com/states/california/)
- [Arkansas](https://homexmortgage.com/states/arkansas/)
- [Arizona](https://homexmortgage.com/states/arizona/)
- [Alaska](https://homexmortgage.com/states/alaska/)
- [Alabama](https://homexmortgage.com/states/alabama/)

## Opportunities
- [Servicing Oversight Analyst – Santa Ana, CA](https://homexmortgage.com/opportunities/servicing-oversight-analyst-santa-ana-ca/)
- [Business Analyst – Santa Ana, CA](https://homexmortgage.com/opportunities/business-analyst-santa-ana-ca/)
- [Internal Audit Manager – Santa Ana, CA](https://homexmortgage.com/opportunities/internal-audit-manager-santa-ana-ca/)
- [Agency Account Executive](https://homexmortgage.com/opportunities/agency-account-executive/)
- [HR Generalist – Santa Ana, CA](https://homexmortgage.com/opportunities/operations-manager-santa-ana-ca/)
- [Sr. Operations Manager – Tampa, FL](https://homexmortgage.com/opportunities/agency-account-executive-nationwide/)
- [Financial Analyst (Income Desk) – Santa Ana, CA](https://homexmortgage.com/opportunities/sr-operations-manager-tampa-fl/)
- [Docs/Disclosures – COC – Santa Ana, CA](https://homexmortgage.com/opportunities/hr-coordinator-santa-ana-ca/)
- [Funder/Sr. Funder – Santa Ana, CA](https://homexmortgage.com/opportunities/appraisal-coordinator-santa-ana-ca-3/)
- [Account Managers – Santa Ana, CA](https://homexmortgage.com/opportunities/account-manager-orange-county-ca/): Appraisal Reviewer - Santa Ana, CA
- [Underwriters – Nationwide](https://homexmortgage.com/opportunities/underwriters-nationwide-2/)
- [Account Executives – Nationwide](https://homexmortgage.com/opportunities/account-executives-nationwide/)

## Broker Testimonials
- [Brian C.](https://homexmortgage.com/broker_testimonials/brian-c/): I have to latitude to pick from many brokers who have similar products but choose to do all bank statement and DSCR deals with HomeX because of the service
- [Chris W.](https://homexmortgage.com/broker_testimonials/chris-w/): I had a contract forwarded to me 3 weeks into escrow with a non performing lender. I reached out to HomeXpress Mortgage and the service and execution significantly exceeded my expectation. HomeXpress Mortgage exceeded my customer’s expectation and created a new client for life.
- [Danielle V.](https://homexmortgage.com/broker_testimonials/danielle-v/): The team did an amazing job funding a purchase for us on a very short timeframe! HomeXpress was involved in every step of the way and were able to answer questions immediately and accurately to help the process move faster.
- [Jeri A.](https://homexmortgage.com/broker_testimonials/andrea/): HomeXpress always "steps up to the plate" so to speak, such a pleasure to work with such an amazing team!! I AM YOUR BIGGEST FAN!!!!!!!
- [Ken H.](https://homexmortgage.com/broker_testimonials/bernadette-8/): Your initial set up made my job so easy! I'm sending all Non-QM to HomeXpress Mortgage. Best pricing and service! I can't ask for more!