Non-QM
7. Min # Mos. Since Bankruptcy or Foreclosure
1. Purchase Max LTV% 2. Rate & Term Refi Max LTV% 3. Cash-Out Refi Max LTV% 4. 2nd Mortgage Max CLTV% 5. Min FICO 6. Max Term (Months)
21. VOE Loans 22. Profit & Loss (P&L) 23. Asset Utilization 24. Jumbo Loans 25. Seconds
16. Foreign Nationals/ITIN 17. Bank-Statement Loans
11. Single-Family Residence 12. Condominiums 13. Townhomes 14. Manufactured/Mobile Home 15. Land/Lot
8. Owner-Occupied 9. Non-Owner-Occupied 10. Vacation Homes
18. Self Employed 19. Stated Income 20. DSCR Loans
Lender Name and Contact Info
Min/Max
1
2 3 4 5 6 7
8 9 10 11
12 13 14 15 16 17 18 19 20 21
22 23 24 25
LendingOne LLC www.lendingone.com
70K / 3M 92.5 80 75
680 360
Y
Y Y Y
Y Y Y
Y
LendingOne’s TPO program empowers mortgage brokers to boost revenue and expand their business with a direct lending solution. Lending Territory: Nationwide except ND SD AK NV
Mark Zummo-Hurley (561) 257-2870 mzummohurley@lendingone.com
LendSure Mortgage Corp. www.lendsure.com (888) 910-0360 sales@lendsure.com LoanStream www.lsmortgage.com (800) 760-1833 ezqual@lsmortgage.com
150K / 3M 90 90 90
620
Y Y Y Y Y Y
Y Y
Y
Y Y
LendSure offers a range of Non-QM loans for borrowers that don’t fit conforming guidelines, including alternative documentation loans. Lending Territory: Nationwide
150K / 4M 90 80 80
Y Y Y Y Y Y
Y Y
Y Y Y Y Y Y
One Yr. Self-Employment is now available. Previously W2 now go 12 months of Bank Statements to qualify borrower income. Lending Territory: Nationwide except KS MS NE NY VT
PRMG - Paramount Residential Mortgage Group www.prmg.net (866) 776-4937 you@prmg.net
100K / 3M 90 85 80
Y Y Y Y Y Y Y
Y Y
Y Y Y Y Y Y
PRMG is a leading national lender. We deliver jumbo, FHA, VA and conventional products with a high focus on purchase, pricing and service. Lending Territory: Nationwide except NY
RCN Capital www.rcncapital.com Erica LaCentra (860) 432-5858 info@rcncapital.com Velocity Mortgage Capital www.velocitymortgage.com Jason Haye (866) 505-3863 info@velocitymortgage.com Visio Lending www.visiolending.com Sales Manager (888) 521-0353 loans@visiolending.com
55K / 2M 80 80 75
660 360 24
Y
Y Y Y
Y
Y
RCN Capital is a national, direct, private lender. We specialize in Short Term Renovation and Long Term DSCR Rental loans. Lending Territory: Nationwide except AK ND NV SD VT
75K / 5M 75 75 75
Y Y
Y Y Y Y
Y
Y
Y
Alternative mortgage programs for the purchase or refinance of 1-4 investment, multifamily, mixed-use and small commercial properties. Lending Territory: Nationwide except MN ND SD VT
45K / 2M 75 70 70
Y
Y Y Y
Y Y
Y Y
Fast, simple and dependable rental loans for residential investors. No personal DTI. 30-yr term. Small Balance Commercial now available. Lending Territory: Nationwide except AK DE ID MN ND NE OR RI SD UT VT
Feb. 1-4 MortgageCon 2026: The Magic of Mortgages Universal Orlando Orlando, FL www.mortgagecon2026.com
Mar. 15-17 NPLA Conference March Loews Miami Beach Hotel Miami, FL www.nplaconference.com
Happenings
Feb. 8-11 MBA CREF Manchester Grand Hyatt
Mar. 18-20 CMA 2026 Spring Conference Balboa Bay Resort Newport Beach, CA www.californiamortgageassociation.org
Professional Mortgage Industry Events, Conferences and Trade Shows
San Diego, CA www.mba.org
Mar. 12-13 IMN Bank Special Assets (East) JW Marriott Miami Turnberry
Mar. 22-24 MBA NJ 42nd Annual Regional Conf. of MBAs
Oceans Casino Atlantic City, NJ www.mbanj.com
Adventura, FL www.imn.org
17
Scotsman Guide | February 2026
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