Non-QM Lending at NP, Inc.

Welcome to NP, Inc. TPO Lending

NP, Inc. TPO Lending is leading the nation with the most comprehensive Non-QM product line in the industry. We offer very competitive pricing and the ability to close loans quickly. We assist with your out-of-the-box scenarios, including more lenient credit seasoning requirements, higher debt-to-income ratios, and exceptional Jumbo and Non-QM products. Our experienced and dedicated sales team will help identify the best products for borrowers, brokers, and their clients, structure loans, and provide consistent, accurate communication to ensure your Non-QM loan is always top of mind. Our fast and stress-free loan process is made even more efficient by cutting-edge technology that keeps your loan file on track every step of the way.

What our clients say about us


We had a great experience with NP, Inc. TPO Lending and Chuck Junkmann/William Ruland was great. Our first deal with them (it was a rescue from another Non QM lender; who didn’t like the acreage on the property) – they turned it in 15 days. Everyone was super responsive and accommodating to our team while we learned their systems. If this is a sign of how they operate, could see ourselves doing lots of Non-QM business with them in the future.
DEREK F. SENIOR VICE PRESIDENT Fairway Independent Mortgage Corporation
CTC in four days! That is amazing, and it was not a simple file! NP, Inc. has been nothing but STELLAR and has exceeded my expectations every step of the way. This borrower is just traumatized by everything that happened before. You have a wonderful culture of warmth and excellence! Thanks so much for doing a great job on this!
SARAH H. C. LOAN OFFICER Fairway Independent Mortgage Corporation
Were it not for Clint, this loan would not have closed on time. Clint pulled some kind of miracle and this loan is closing, as scheduled. I have been using your company since I came on board with Novus in April of this year. I intend to keep doing so because of people like Clint. Jessica Stone had a lot to do with this loan closing, and she gives my processor her immediate attention every time we call. She has been a pleasure to work with, and we appreciate it.
ROBERT S. BRANCH MANAGER Novus Home Mortgage
It's been my first file with you, [but] it's definitely not the last. I really honor and value the attention and collaboration at all times. I am old school. and I loved being able to communicate as needed. It was a real pleasure.
YUNAILYN D. P. LOAN OFFICER 1st Financial Inc.
I wanted to take the opportunity to send a BIG THANK YOU for helping me close a $600K loan with your Bank Statement 12-month program in 3 weeks! [Special] thanks to Crystal Martinez and William Ruland who took the time to answer my questions on Thanksgiving weekend and pushed the conditions to Underwriting in order to be able to close this loan….. Sometimes it sounds impossible, but with a support team on your side, it makes a big difference!
CAROLINA S. MORTGAGE LOAN ORIGINATOR Sun West Mortgage Company, Inc.

Getting Approved

We want to make this process as easy as possible, please choose one of the options below to get started:

Account Executives

Reach out to one of our Account Executives who will be
happy to guide you through the approval process. Our Account Executives

Email Us

Email our TPO Lending Team and we will contact
you to discuss becoming a lending partner.
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Contact Us

Use the Contact Form and a member of our
TPO Lending Team will reach out.
Contact Us

Licensed in 47 States

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Welcome to NP, Inc. TPO Lending

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