Non-QM Loan Products

2-1 Buydown

Our 2-1 Buydown Program allows for a temporary initial reduction to the rate for a specified amount of time at the beginning of the loan term. This program is beneficial for first-time homebuyers or those who plan to stay in a home for only a couple of years. 

Flex Select Prime

Qualifying your borrowers has never been easier with our Flex Select Prime Program. TPO Lending offers flexible, Non-QM Prime Products to tackle unique loan scenarios so you can qualify more borrowers. Our newest Flex Select Prime offers 1099 and interest-only loans. Flexibility in our credit requirements is what makes all the difference.

Flex Foreign National

Our Flex Foreign National Program ensures that financing a mortgage for non-U.S. citizens is as simple as possible. Our program enables purchasing, refinancing, or investing in U.S. real estate regardless of the citizenship status of your borrower. Our mortgage specialists are trained to help you secure the right foreign national financing for your borrowers.

Flex Investor DSCR

Through our exceptional Flex Investor DSCR Program, we provide smart loan solutions for experienced and savvy investors. Your borrowers and first-time investors will love the flexibility this loan provides for single family and 2-4 units.

Flex Closed End 2nds

This program allows borrowers to reduce the amount of cash needed for a down payment AND allows them to cash out without having to change the rate on their first lien mortgage. It also has benefits for debt consolidation, home renovations and unexpected life events.