Simple Access^® Non-QM Correspondent Lending

A Better Path

Find a clear path forward for NON-QM with simple, flexible, & straightforward solutions with Luxury Mortgage.

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Loan Programs

Become an Approved Lender

Want to offer our Non-QM products to your borrowers? Sign-up up to become an approved correspondent lender.

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About Luxury Mortgage

Learn about our team, company history, and our experience working with correspondent lenders in the marketplace.

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Explore Our Loan Programs

Discover our suite of Simple Access^® Non-QM correspondent loan programs

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1099 Only

Qualify borrowers that receive compensation in the form of commission or are paid as independent contractors and receive IRS form 1099 at year-end.

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Asset Qualifier

Qualify using liquid assets in savings or securities—no tax returns, income documentation, or DTI required. Use assets without selling them.

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Bank Statement Loans

Qualify using bank deposits instead of tax returns. Business or personal statements accepted, with multiple income calculation options.

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A solution for scenarios that don’t quite fit conventional underwriting guidelines. Qualification focuses on the borrower’s ability to repay based on common sense underwriting. Perfect credit is not required.

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Foreign Nationals

Loans for foreign national borrowers utilizing either liquid assets or rental income on subject investment properties for qualification.

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Graduate

Mortgage solution for borrowers who recently completed post graduate degrees who are employed in specialized professions. Designed for applicants who are not eligible for agency and prime credit jumbo loans.

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Investor Cash Flow

Created specifically for real estate investors. Qualification is based on the rental income generated by the subject property. It’s no longer necessary to have large amounts of cash on hand to build a real estate portfolio.

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ITIN

Providing financing solutions for clients without a Social Security number. This program helps expand lending opportunities while maintaining the same high standards of service and support.

About Us

Luxury Mortgage, based in Stamford, Connecticut with a West Coast Operations center in Irvine, California, is a recognized correspondent leader in the NON-QM market. We strive to provide you and your clients with the most competitive products and services in the industry. With over 27 years of experience, we have the ability to handle even the most complex scenarios and provide innovative solutions to you and your borrowers. We offer the industry’s most aggressive array of NON-QM programs with qualification options not offered by any of our competitors. We are committed to being the market leaders in every segment that we serve, no exceptions. We will work tirelessly to exceed your expectations and earn your repeat business.

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