BuiltfortheNon-QM OriginatorYourMarketNeeds
Americansworkinthegigeconomy. That's36%oftheU.S.workforce.
"Mostloanofficerscan’tservethem.Youcan."
Self-employed.
Investors.Foreignnationals.Asset-rich.Underservedbytraditionallenders
NAFAdvantagewasbuiltforthismarket.
Self-employed,freelancers&businessowners
Bankstatements,1099,orCPAP&L
Upto$4M·10%down·600FICO(whenrequired)
NoMaxFinancedProperties
AssetQualifier/AssetUtilization
Upto$4M·10%down·620FICO
NoMaxFinancedProperties Realestateinvestors
DSCR qualifyonrent,notincome
Upto$3.5M·15%down·620FICO
Upto85%LTVonpurchases
Maxfinancedpropertiesvariesbyinvestor
Foreignnationals&ITINholders
NoU.S.creditrequired
Maxfinancedpropertiesvariesbyinvestor Retirees&high-net-worth,asset-richclients
Upto$3M·10–30%down·600/640ornoFICO
Internationalincomeaccepted
EntrepreneurAdvantage
Manyentrepreneurswriteoffexpensestosave ontaxes—andtraditionallenderspenalizethem forit.Welookatactualcashflowinstead,not whattheirtaxreturnsays.
Self-employed,Freelancers,Businessowners.
1–2yearsbankstatements—businessorpersonal IRS1099program—YTDcontinuity,10%expenseratio CPA-preparedP&L—12or24months,25%+ownership
ServethemallwithEntrepreneurAdvantage.
AssetAdvantage
Yourhighest-net-worthclientsmayhavetheleast'income' onpaper.AssetAdvantageconvertstheirportfoliointo qualifyingincome—spreadover5–7years,noDTIrequired —andgetsthedealdone.
AssetQualifierandAssetUtilization/Depletionprograms
5-or7-yearamortization·Reserves3+months
Combineswithpensions,part-timework,optional1-yrtaxreturn
SERVERETIREES&CLIENTS WITHASSETS,NOTINCOME.
CashFlowAdvantage
Realestateinvestorsdon'tneedW-2stoqualify—theyneed alenderwhofocusesontheproperty,notthepaycheck. CashFlowAdvantageoffersDSCRandNoRatioDSCR programs,usingrentalincomeinsteadofpersonalincome tohelpinvestorsqualifywithgreaterflexibility.
GlobalAdvantage
ForeignnationalandITINbuyersoftenhavethe wealth—justnottheU.S.creditfile.Wequalifythem onpropertyincomeortaxID,soyoucanservea clientelemostLOsareturningaway.
EVERYONE DESERVESTHE OPPORTUNITYFOR HOMEOWNERSHIP.
Servethemallwith GlobalAdvantage.
ITINprograms—600FICOornoFICOrequired
ForeignNationalDSCR—640FICOornoFICOrequired
Aslittleas10–30%down·Internationalincomeaccepted
WhyNAFisbetterinNon-QM.
Fourreasonstheplatformactuallychangeshowyousell.
AteamwhoseonlyjobisstructuringNon-QMdeals withyou—scenariodesk,solutioning,dealsupport. Youneverfaceahardfilealone.
Pre-builtcollateralsoyouspendtimeselling,not designing.Done-for-youCRMcampaignsforREA’s andbuilders—andeventkitsmadeforNon-QM.
AplaybookofprovenNon-QMstrategies—what's workingtoday,sharedacrosstheLOnetwork.You don'tcompetewiththeroom;youcompoundwithit.
Noneedtobrokerout.Directexecutionmeansfaster CTC,cleanerpricing,andadealyoucontrolend-toend.
Non-QMMarketingTools
EverythingyouneedtomarketNon-QM—built,branded,andreadytodeploy.
Collateral:presentations, booklets&flyers
Expandtheborrowersyoucansayyesto.
EveryNon-QMborrowerfitsoneofthefourpillars—fewerturn-downs,morecloses,awidertop-of-funnel.
BuildreferralpartnerswhofeedyouNon-QM.
Co-brandedmarketingforREAs,CPAs,builders,andwealthadvisors—designedspecificallyfornon-traditional incomeclients,notgenericmortgageflyers.
Compoundwiththenetwork.
Sharedplaybook,dedicatedproductspecialists,andaninvestordeskthatkeepsdealsin-house. You'renotonanisland—you'reonaplatform.
