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Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
No US city concentrates more foreign national real estate purchasing than Miami. The city is the US gateway for Latin American wealth and the preferred
Los Angeles’s foreign national real estate market is the most globally diverse of any US city — and concentrated among different buyer populations than Miami.
Asian nationals represent one of the most active and diverse foreign national real estate buyer communities in the US. Their profiles vary significantly by country:
Dallas attracts foreign national buyers for three reasons that no coastal city can replicate: no Texas state income tax, no program overlay (full national $4M
A foreign national mortgage is a US real estate loan specifically designed for borrowers who are not US citizens or who have income and assets
The asset-rich borrower who owns both a primary residence and investment properties faces a documentation challenge that multiplies with each investment acquisition: the conventional qualification
Asset utilization has the simplest documentation of any Non-QM program — and simpler than most conventional mortgage files. The entire income qualification rests on investment
The asset utilization formula has two inputs: eligible assets and the divisor (84). The divisor is fixed. The eligible asset base is where optimization happens.