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Our commitment to transparency goes beyond the initial stages of the mortgage process. We ensure that you have a clear understanding of your mortgage terms, including interest rates, fees, and closing costs. There are no surprises on the closing day. We're dedicated to providing you with straightforward, jargon-free explanations, so you can confidently navigate the financial aspects of your home purchase or refinance. Loan To Value , Loan Officer , Top Mortgage Lender , We understand that homeownership is a significant investment, and you want to be sure you're making the right choice. That's why we offer pre-approval services that capture your interest. Our pre-approval process is fast and straightforward, providing you with a clear picture of your borrowing capacity. With this information in hand, you can confidently explore the real estate market, knowing that you're a serious and qualified buyer.
– 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:

Innovation is part of our DNA. We continuously seek ways to enhance the mortgage experience for our clients. Our state-of-the-art online application process, secure document management, and digital communication options offer a seamless, paperless mortgage journey. With AAA LENDINGS, you can expect a modern, efficient, and secure mortgage lending experience that keeps up with the fast-paced world of technology. Your convenience and security are paramount to us. – 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: Argentina , Panama , Accra , With the principle of win-win, we hope to help you make more profits in the market. An opportunity is not to be caught, but to be created. Any trading companies or distributors from any countries are welcomed.
  • The company comply with the contract strict, a very reputable manufacturers, worthy a long-term cooperation.
    5 Stars By Monica from Bahamas - 2017.08.15 12:36
    It is not easy to find such a professional and responsible provider in today's time. Hope that we can maintain long-term cooperation.
    5 Stars By Elaine from Cape Town - 2017.02.28 14:19