HomeXpress Mortgage

Call Us Today At (714) 598-1430

Click Here To Request For A Quotation

Non QM Lenders Tustin

HomeXpress Mortgage Corp is a fast growing, service-oriented wholesale lender in the Non-QM mortgage market. The company was founded by a group of mortgage professionals who have a long history of providing flexible solutions to borrowers who fit outside of the Prime/Qualified Mortgage space while providing the best service levels to our broker partners in the industry.

HomeXpress prides itself on providing superior service and our experienced staff is here to help you every step of the way. Our Highly trained Account Executives work with Loan Brokers and Loan Officers every day helping to structure loans and provide real solutions for difficult loans that were rejected by traditional lenders or Government automated underwriting methods.

HomeXpress Mortgage Corp. is partnered with Seer Capital Management, a well-respected investment manager in New York, as the Company’s senior advisor and capital partner. Seer Capital Management LP is a diversified, credit-focused investment firm founded by Philip Weingord in 2008 that primarily invests in structured credit and loans. Seer Capital is based in New York and has approximately $1.1 billion in assets under management as of December 1, 2017 and has been a registered investment advisor with the U.S. Securities and Exchange Commission (SEC) since 2009.

Location : 15641 Red Hill Ave #205, Tustin, CA 92780

Directions From These Locations : Tustin Ranch Golf Club, 12442 Tustin Ranch Rd, Tustin, CA 92782 , University of California Irvine , Our Lady of the Pillar Church, 1622 W 6th St, Santa Ana, CA 92703 , Panorama Heights, North Tustin, CA 92705

Non-QM Loan | Bank Statement Only | Non Qualified Mortgage ProgramsApply for a Non-QM loan from one of the Fastest Growing Lenders in the Industry. Call 800-216-1723 to learn more about our Non Qualified mortgage loans.

Non-QM Loan from HomeXpress Mortgage

Non QM loans can help borrowers who have had credit issues in the past such as foreclosures, bankruptcy, late payments or other isolated credit issues. A Non-QM loan also hasunderwriting guidelines that are different than the typical conventional or government type loans. These guidelines allow the lender to look at the entire loan picture for a borrower and not just their credit score and government underwriting matrices (DU or LP).

Self-employed borrowers typically have more complicated income structures that require different calculations than wage earners. This type of income often times does not qualify under the “one size fits all” conventional/government underwriting standards.

HomeXpress Mortgage provides loans to borrowers that have the ability to repay their non-qm loans and that meet all regulatory lending criteria. These borrowers can now take part in the American dream of homeownership even though they may have had a life event that affected their credit or they have verifiable income that needs to be considered outside a standard grid.

Bank Statement Mortgage Loans Programs with HomexMortgage

HomeXpress Mortgage is a responsible lender that gives loans to borrowers who have the ability to repay their loans and who meet all regulatory lending criteria. We’re providing opportunities for more borrowers to take part in the American dream of homeownership even though they may have had significant credit events or have verifiable income that does not fit the standard mortgage loan grid.

We are a wholesale mortgage lender. We are licensed to work with partners, including mortgage brokers and mortgage bankers, in 28 states. As lenders, we help brokers provide non-QM loan products to their clients. Our account executives work directly with brokers and our Broker Platform gives brokers a real-time look at loan status for all of their clients.

Learn more about our Bank Statement Mortgage Loans Programs here.

Business Purpose Loan with HomeXpress Mortgage

A Business Purpose loan is a loan made specifically for a Business Purposes and not a Consumer Purposes. Business Purpose loans are not subject to TRID. Business Purpose loans are typically made to seasoned Real Estate investors who use Non-Owner Occupied Residential properties (up to 4 Units) for collateral. Business Purpose loans are qualified on the Rents (cash Flow) of the property considering the property’s Debt Coverage Ratio or DCR. Typically, the mortgage payment on the property will be covered by the rent received (DCR=1.00)

Read more about our Business Purpose Loan program here.

Broker Approval Process

The broker approval process at HomeXpress Mortgage Corp. is handled “in house” by our broker approval desk. We consider all potential brokers to be future business partners so we carefully review each broker package to ensure it is complete and meets our minimum approval criteria. These minimum standards are listed below.

Fully completed broker application package including all required attachments.
Be properly licensed and authorized within the state you operate in to originate and broker loans.
Have been in business for at least two (2) years. In cases of newer firms, principals should have at least five (5) years’ experience in mortgage brokering or lending.
Have a good reputation in the industry with proven references, a high level of professionalism and strong ethical standards.
Be in good standing with all governmental licensing and revenue collection agencies and have a public record clear of any civil or criminal judgments. A Broker, whose firm has been suspended, or is currently under investigation by any agency, will not be approved.