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Loan Program

Non-Qualified Mortgage

Smart Loans Backed by Real People, Serving OUR Community Every Day.

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NAF Nine

We have your secret weapon to open the doors of homeownership for credit-worthy borrowers who don’t bank traditionally or have otherwise been locked out from opportunities and access to financing.

Non-QM Loan Program:

No Income & No Employment Verification Requirements

Mortgage Loan
Mortgage Home Loan

Great for Credit Worthy Borrowers with 20% Down or more!

Key Features:

*See full guidelines for eligibility.

  • No DTI calculation
  • Loan amounts up to $2M
  • FICOs down to 660
  • O/O or second homes
  • First-time homebuyers welcome
  • Up to 80% LTV with 720 FICO and 12 months reserves
  • Cash-out may be used as reserves*

Be a Communtiy Hero!

Do You Have Clients Who Are:

  • Self-employed
  • Small business owners
  • Seasonal & gig-based workers
  • Online or cash-based business owners
  • Influencers, artists, vloggers

The above list is a sample of borrower types. Ask who else may qualify!

*Not eligible in all states. Contact me for up-to-date licensing information.

Minimum Loan Amount $300K In North Carolina

Get started by using one of our FREE tools!

No matter what your situation is,
there is a home financing solution for you.

No Income / No Employment DSCR Investor Loans

Buy Investment Property with Non-traditional Income.
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12/24 Month Bank Statement

Serving OUR Community’s Self-Employed Borrowers with Smarter Loan Options.
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No Income / No Employment Loan Primary Residence Loan

Empowering OUR Community with Flexible, Asset-Based Mortgage Solutions.
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ITIN Mortgage Loan Program

Homeownership Made Possible for Non-U.S. Citizens Using an ITIN.
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P&L-Only Mortgage Loan Program

Streamlined Approval for Self-Employed Borrowers Using Just a P&L.
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1099 Mortgage Loan Program

Flexible Home Financing for 1099 Earners — Less Paperwork, More Possibility.
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NAF Cash

NAF Cash Can Turn You Into a Cash Buyer.
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Renovation

Smart Loans Backed by Real People, Serving OUR Community Every Day.
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One Time Close Construction

Build your dream home with an OTC Jumbo loan designed for big visions.
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VA

Homeownership Benefits You’ve Earned Through Service.
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FHA

Affordable Financing Designed for First-Time Homebuyers.
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Conventional

Flexible Home Financing with Competitive Rates and Terms.
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Jumbo

Financing for Homes That Go Beyond Conventional Limits.
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USDA

Affordable Home Financing for Rural and Suburban Communities.
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Down Payment Assistance

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Medical Professionals Mortgage Program

Designed for Doctors, Dentists & Healthcare Heroes in North Carolina — and Beyond

Check out our other mortgage calculators

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DSCR Investor Calculator

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Evaluate the potential savings and costs associated with refinancing your existing mortgage.

Adjustable Rate Mortgage Calculator

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VA Calculator

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Jumbo Calculator

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FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

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See the monthly payment and total cost for a conventional mortgage loan.

USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

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Analyze your debt service coverage ratio to evaluate the profitability of an investment property.