Non QM Loans!

Home Loans for Self Employed Borrowers!
Jumbo Home Loans - Investor Loans Foreign National Home Loans!

Best Home Loan For Self Employed Borrowers! Click Here

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3 Month Bank Statement Loan

Qualify with just 3 months of business or personal bank statements.
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12 Month Bank Statement Loan

Qualify with just 12 months of business or personal bank statements.
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Jumbo Prime Home Loan

The most competitive Jumbo Prime Home Loan in the market today
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Foreign National Home Loan

Letter of good standing from your current financial institution or international credit report. Learn More

Asset Only Home Loan

Qualify with the most recent financial statement
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Investor Cash Flow Home Loan

Non Owner Occupied. Purchase or Refinance.
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Interest Only

Interest Only Home Loans
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SELF-EMPLOYED BORROWERS – STATEMENT ONLY LOANS

While conventional and FHA loan programs require tax documents to prove your income, non qualifying mortgages offer bank statement mortgages that have no need for filed tax paperwork or returns. Our underwriters will evaluate your business or personal deposits based on your bank statements from 3 to 24 months to qualify. These are also known as no doc home loans and are ideal for self employed borrowers with limited documentation.

HIGH NET WORTH BORROWERS – ASSET DEPLETION LOANS

An asset depletion loan divides the total cash balance in an account over a determined time period to come up with your qualifying income. This is known as an asset depletion loan. As an example, a $200,000 account balance may result in $833.33 of additional monthly qualifying income.

BORROWERS INVESTING IN MULTIPLE RENTAL UNITS

Non-QM loans may be a good choice for investors who own more than have 10 or more financed properties. FHA government and conventional loans allow for up to 10 mortgage loans . For these borrowers we can offer debt-service coverage ratio loans for real estate investors. If the rent on a new home covers the monthly payment, you don’t need other income to qualify. This product works well for fix and flip investors or vacation home rental investors. To qualify for a flip loan go to FLIP LOAN

BORROWERS WITH RECENT BAD CREDIT

You may be eligible for a non-QM loan one day after completing a foreclosure or bankruptcy. You typically need to wait two to three years after a bk event. Call our customer service department to see if you currently qualify. 800-826-5077.

FOREIGN NATIONALS HOME LOANS

A Foreign National is a citizen of another country who travels to or lives in the U.S. for brief periods of time for work or vacation. Non-QM loans for foreign nationals in many cases may not require a Social Security number, proof of U.S. income or credit.

INTEREST-ONLY LOAN PAYMENT FOR BORROWERS 

self employed or commissioned income-earners that do not receive regular payments may benefit from an interest-only loan that allows for a lower payment option. Understand what your term is and when your loan converts to principal and interest so you are not surprised when your interest only term expires.

FIX AND FLIP LOANS


Fix To Flip and Fix To Rent Investor Loans

Up To 90% of Purchase/100% of Rehab 

Flip or We can refinance for rentals!

MULTIFAMILY LOANS 
COMMERCIAL REAL ESTATE LOANS

Multifamily apartment Loans

Purchase, Rehab, Refinance

Rates from 3%, Up to 100% of Rehab.
Bridge Loans, Purchase, Refinance, Construction, Value Add 

Hard Money Loans, Bridge Loans and Permanent Financing for Commercial Real estate

    • $100,000 – $50M


      12 to 24 month terms


      No call protection /
      lockout


      Up to 100% LTV


      Interest only amortization


      No initial DSCR
      requirement


      Recource/Non-recourse


      Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case

Construction

    • $100,000 – $25M


      12 to 24 month terms


      No call protection /
      lockout


      Up to 80% of cost


      Interest only amortization


      No initial DSCR
      requirement


      Non-recourse


      Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case

Permanent

        • $100,000 – $100M


          5 or 10 year terms


          Call protection / lockout depends on loan term


          Up to 75% of value


          IO and amortization options


          1.20x DSCR requirement on 30-year amortization


          Non-recourse


          Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case

As the leading private lender for multifamily and residential real estate investment property, CambridgeHomeLoan.com offers extensive debt solutions through a vertically-integrated, national lending platform. We offer borrowers fast, certain and efficient execution. With a proven track record of financing and over 25 years in business CambridgeHomeLoan.com understands the needs of investors throughout the investment lifecycle, from acquisition to renovation to stabilization.

apartment building loans

Commercial Real Estate Loans

For Fix and Flip & Fix To Rent Investment Loans & Bridge Loans

Multi Family Commercial Real Estate Loans

Nationwide experience and a local presence. 

REFINANCE OR ACQUISITION FINANCING

  • Investment  Properties or owner-occupied commercial real estate
  • Conventional Loans or transitional loans
  • Storied loans
  • Loans requiring unique financing structures

Satisfying More Clients. One Loan at a Time.

PERMANENT FINANCING
CONSTRUCTION LOANS
BRIDGE LOAN
AGENCIES
MEZZANINE FINANCING
SBA 504 & 7A USDA B&I CREDIT LEASE FINANCING

At CambridgeHomeLoan.com, our commercial lending professionals understand the great opportunities and the myriad challenges facing small, middle, & large market business owners and executives. We excel at provide financing solutions tailored to your needs. Our understanding of the many unique aspects and challenges of your business allows us to work towards accommodating your financing requirements. We employ our creativity, experience and expertise to build the right solution for you.

  • Quick Response
  • Multiple Options
  • Lower Rates
  • Fast Closings

FINANCING FOR:

AGRICULTURAL & FARM
CHURCH & MINISTRY
OWNER OCCUPIED
HOSPITALITY
INDUSTRIAL
INTERNATIONAL REAL ESTATE
LAND
MULTIFAMILY
OFFICE RETAIL
SBA 7(A) & 504
SENIOR HOUSING
SPECIAL PURPOSE PROPERTIES
USDA B&I LOANS.

BRIDGE LOANS

  • Quick closing
  • Complicated story
  • Renovation
  • Lease-up
  • Temporary liquidity
  • Recent bankruptcy

Expert Residential, Commercial and Investment Real Estate Blog

Non qm loan
Uncategorized

Non QM Mortgages Defined

WHAT IS  A NON QM LOAN Non-Qualifying Loans, usually referred to as Non-QM Loans or Non QM Mortgages, can be easily defined as loans that

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IF ITS RELATED TO REAL ESTATE WE LEND ON IT.