Non-Qualified Mortgage Programs

HomeXpress Mortgage is an industry-leading lender delivering a variety of solutions for borrowers, ranging from Non-QM loans to Prime loans. Our successful growth is a result of our commitment to delivering these tailored solutions to our broker partners with Speed, Ease, and Convenience. Read more about these programs below and contact us to get the process started here.

Asset Assistance, 3-month Bank Statements, Profit and Loss Only, and Financed Points programs are also available for the solutions below.

PrimeX

Our PrimeX program is appropriate for borrowers who nearly qualified for a traditional home loan. This is one of our most popular Non-QM loans. We offer some of the lowest rates on this program, with loan amounts up to $3,000,000. Requiring a minimum FICO score of 660 and including more flexible forbearance guidelines, your Borrowers can qualify with full documentation or alternative documents such as bank statements. View our PrimeX Rate Sheet for rate information and additional requirements and limitations.

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CoreX

FICO scores down to 620, LTV to 85% for purchase

CoreX is our basic Non-QM loan solution. This program provides Non-QM loans to borrowers who may be facing additional challenges in securing a home loan. A minimum FICO credit score of 620 is required with more flexible forbearance guidelines. Borrowers may qualify for this program with full or alternative documentation. Available for both owner occupied and non-owner occupied properties. Financed discount points, cash out, and profit and loss only are also available for these preferred Non-QM loans. Read more about program requirements and find current rates on our CoreX Rate Sheet.

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InvestorX/DSCR

Business purpose loans to help build wealth- only 2 ratings required!

Our InvestorX program offers Non-QM loans with competitive rates for investors seeking to expand their property portfolio. In today’s Airbnb/VRBO rental environment, this popular program has become wildly successful! With recent updates, our InvestorX/DSCR business purpose program has only two ratings required—a housing history on the subject property, and an investor’s primary residence. This eliminates the headache of gathering documents on potentially dozens of properties. To obtain one of these attractive Non-QM loans, a minimum FICO score of 640 is required. We have added Short-Term-Rentals to our Investor X product. We now accept short-term gross rents as DSCR income type. In addition, HomeXpress will accept AirDNA Rentalizer and Overview reports for purchase transactions. Learn more about this program by viewing our current InvestorX/DSCR rate sheet.

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InvestorX/5-8 Unit

Business Purpose Loans for investors who want to increase their multi-unit portfolio

Our InvestorX 5-8 unit loan program is the perfect solution for real estate investors looking to add larger properties to their portfolio. Just like our regular InvestorX program, only two ratings are required – a housing history on the subject property, and an investor’s primary residence. This business purpose loan allows for loan amounts up to $2 million. In addition, you can qualify using the subject property cash flow. This loan does require a minimum FICO score of 660. To learn more about this program and find current rates see our InvestorX 5-8 Unit Rate Sheet.

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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!

InvestorX Rate Sheet CoreX Rate Sheet

Prime Jumbo Loan

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

JUMBO Rate Sheet

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.

FHA Rate Sheet VA Rate Sheet

Agency Loans

We are proud to announce that we now offer Freddie Mac loans.  We are the perfect choice for your Freddie Mac loans that need some TLC to close.

Freddie Mac Rate Sheet

HomeXpress Lock Desk Hours:

Monday – Friday 10:00 am – 4:00 pm CST

Email: [email protected] Phone: 8772030890

Become an Approved Broker

Our business is built upon responsible lending. If you have been in the business for at least two years as an licensed broker and would like to provide your customers with Non-Qm or bank statement only loans, apply to become a HomeXpress Mortgage approved broker today.

Apply Today