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The dream of homeownership isn't limited to traditional homebuyers. At AAA LENDINGS, we have specialized programs to cater to non-traditional borrowers. If you're self-employed, have a fluctuating income, or face unique financial circumstances, our loan options can capture your interest. We embrace diversity in borrowers and actively seek out innovative lending solutions, ensuring that your journey to homeownership remains engaging, regardless of your financial situation. Wvoe Mortgage Lender , Loan Estimate , 5 Star Mortgage Lender , As your mortgage partner, we offer more than just loans; we offer a community. AAA LENDINGS is dedicated to creating a sense of belonging for our clients. Our online platform features forums and discussions where you can connect with fellow borrowers, share experiences, and seek advice. This community-driven approach fosters an engaging environment where you can find support, insights, and inspiration as you navigate the path to homeownership.
– AAA Lendings Non-QM Interested Program – Diamond Jumbo (Similar with Conventional Loan) – AAA Lendings Detail:

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Overview

Diamond Jumbo, for borrowers who can not do Non-agency Jumbo. More loan amount/ Higher DTI/ Higher LTV/ Unlimited financed properties.

Details

1) Max DTI 55%;
2) Up to $4M loan amount;
3) Up to 90% LTV;
4) No MI(Mortgage Insurance);
5) 660 or greater credit scores;
6) 6 or more months reserves;
7) 1-year tax return is available.

What’s this program?

Did you ever met below situation?
• Lender can not permit your high loan amount request?
• Can’t you get to the high LTV you want?
• Can’t non-agency jumbo lenders offer you cash-out loans?
• Did the lender require you to buy MI(Mortgage Insurance)?
If you have ever met these embarrassed situations, then no worries. Non-QM lenders also have such programs, similar with agency loans. However, Non-QM lenders with {Full Docs} loan product have much lower limitations than Full Documents loan products. You have better choice now. One key point you may take care is: You can apply for this program only if you can not qualify with a FNMA or FHMLC loan.

What’s the difference of this Non-QM Full Document program with agency Full qualify program?

In general, most of the applicants may apply for conventional Jumbo loan for purpose of higher loan amount. However, in our experiences, conventional Jumbo program is not so easy to close. The program has restricted requirements than agency loans, and has long turn time as well.

However, under some circumstances, the applicants can not qualify or proceed with conventional Jumbo program, as a result they can only do a Non-QM product, to satisfy their purpose, such as higher loan amount/ Cash-out/ LTV/ Credit score, etc.

Our Non-QM Full Income Documentation is available to borrowers with jumbo loans and conforming loans that fall just outside the parameters for Qualified Mortgages. Loans in this program must not be eligible for sale to any Government Agency.

What’s the benefits?

After reading the above words, here is the benefits summary for your information:

High loan amount, much more than agency loans;
High DTI ratio, lower limitations;
No MI(Mortgage Insurance) needed;
Cash-out is allowed;
High LTV, higher than agency loans.


Product detail pictures:

– AAA Lendings Non-QM Interested Program – Diamond Jumbo (Similar with Conventional Loan) – AAA Lendings detail pictures


Related Product Guide:

For many of our clients, a mortgage is more than just a financial transaction; it's a significant life milestone. Whether you're a first-time homebuyer or a seasoned real estate investor, we approach each application with the care and attention it deserves. We take the time to understand your goals and aspirations, ensuring that your mortgage aligns with your vision for your future. – AAA Lendings Non-QM Interested Program – Diamond Jumbo (Similar with Conventional Loan) – AAA Lendings , The product will supply to all over the world, such as: Czech , Mumbai , Islamabad , As the world economic integration bringing challenges and opportunities to the xxx industry, our company , by carrying on our teamwork, quality first, innovation and mutual benefit, are confident enough to provide our clients sincerely with qualified products, competitive price and great service, and to build a brighter future under the spirit of higher, faster, stronger with our friends together by carrying on our discipline.
  • The product manager is a very hot and professional person, we have a pleasant conversation, and finally we reached a consensus agreement.
    5 Stars By Candy from Cannes - 2017.06.29 18:55
    After the signing of the contract, we received satisfactory goods in a short term, this is a commendable manufacturer.
    5 Stars By Joyce from Bangladesh - 2017.08.21 14:13