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Non-QM Program Enhancements

Non-QM Program Enhancements – March 2021

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General Enhancements

  • Up to 90% LTV for First-Time homebuyer
  • No adder for 24-month Bank Statements – Pricing is the same as Full Doc!
  • No reserve requirements for:
    • Purchase loans with LTV up to 65%
    • FICO over 740 in Expanded Approval

2-Month Bank Statement Program

  • Only 2 months of Personal or Business Bank Statements needed
  • 720 Minimum FICO
  • Loan amounts as high as $2,000,000
  • LTV up to 70%
  • Must be self-employed in the same business for 2 years
  • 12 months of 3rd Party CPA prepared P&L statements required

One Year Income Doc Program

  • One year W2 + Recent Pay Stubs or one year 1099
  • LTV to 80%


  • DSCR as low as .75
  • Up to 80% LTV for Purchase & 75% LTV for R/T or Cash-out Refi
  • No reserves required for LTV up 65% LTV and Only 3 months reserves required over 65%
  • Cash out may count towards reserves

Foreign National

  • Up to 75% LTV for purchase transactions
  • No reserves required for LTV up 65% LTV and Only 3 months reserves required over 65%
  • Cash out may count towards reserves

Condotel Loans

  • Up to 75% LTV for Purchase Loans
  • Up to 70% LTV for R&T Refinances
  • Up to 65% LTV for Cash-Out Refinances
Non-QM Cash Out

Cash Out Available Across All LendSure Non-QM Programs

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Cash out up to $1,000,000


Whether your borrower is self-employed, a foreign national, or a property investor, LendSure offers cash-out options so that they can access the equity in their homes. LendSure offers cashout programs up to $1,000,000 and its available across practically all our Non-QM loan programs.

Program features:

Non QM Cash Out

  • Available across all loan programs, including 12- and 24-Month Bank Statement
  • DSCR interest only cash-out qualifies on the IO payment with loan amounts up to $1,000,000
  • Cash out can be applied to reserves (except DSCR)
  • Available for Non-Warrantable condos
  • Exceptions to cash-out amount will be considered based on overall profile
LendSure News

LendSure Continues to Expand Non-QM Lending Offerings

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Innovative Loan Programs Expand Mortgage Brokers’ Purchase and Refinance Loan Business

June 23, 2020, San Diego, CA – LendSure Mortgage Corp., a leading Non-QM wholesale lender, announced the continuing expansion of its program offerings since their return to lending in early May, 2020.  LendSure’s robust offering of Non-QM products are designed to meet the needs of today’s borrowers, including the self-employed, business owners, property investors, and foreign nationals.

Because of the Covid19’s unprecedented and unexpected impact on the economy, the company was unable to evaluate credit risk, hence paused funding loans for several weeks.  LendSure’s operations and sales staff are actively pre-qualifying, underwriting and funding loans.

LendSure is offering a robust suite of Non-QM loan programs, including:

  • Bank Statement Loans for self-employed borrowers
  • Condo-tel and Non-Warrantable Condos Loans
  • Investment Property Loans with a range of income documentation options, Including Full Documentation, Bank Statement and Property Investor Cash Flow Loans (DSCR)
  • Foreign National Loans
  • Asset Depletion Loans

“Since we started taking applications again, the demand for Non-QM loans has been stronger than we initially anticipated” said Todd Harris, National Sales Director for LendSure Mortgage Corp.   “With the tightening of the conforming loans, loan officers and real estate agents are pleasantly surprised to see all the options available to borrowers looking to buy their new dream homes”.

LendSure is providing outreach to the lending community about today’s emerging opportunities by launching a webinar series on Non-QM for Today’s Borrowers.  The next webinar will be on Investment Property Cash Flow (DSCR) Loans and will be held on Wednesday, June 24th at 1:00 pm Eastern.  Mortgage professionals can sign up via the webinar’s registration page.  LendSure will continue the bi-weekly series with future topics including, Foreign National Lending and Financing for Condo-Tels and Non-Warrantable condos.  Mortgage professionals can access previous webinars via the company’s website.

About LendSure Mortgage Corp.

Headquartered in San Diego, California, LendSure Mortgage Corp. was founded in 2015 to help mortgage professionals better serve their clientele by offering a wider range of programs to meet their needs.  LendSure is a wholesale lender that offers a comprehensive range of Non-QM loan programs for borrowers that don’t fit conforming guidelines, including Self-Employed borrowers, business owners, property investors, and foreign national borrowers.

Media Contact:
Rose Waldie, LendSure Mortgage Corp
(858) 223-0857

LendSure Mortgage appoints John Colitz Regional Sales Manager

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San Diego, Calif – October 1, 2018–LendSure Mortgage Corp is pleased to announce the appointment of John Colitz as its new Regional Sales Manager supporting business development in the Northeast and Mid-Atlantic States. Colitz is a veteran on the mortgage industry with over 30 years of experience. He will report to Todd Harris, National Sales Director.

Colitz most recently served as Sr Vice President of Liberty Title & Escrow, a Fidelity National company for 10 years. Prior to that Colitz was VP for Citizens Mortgage and managed their National Mortgage center. Before that Colitz was a Region Manager for Accredited Home Lenders.

“I am very pleased to join this very seasoned management group at LendSure. They are industry veterans and leaders and I could not be more excited about the opportunities. My initial focus is to hire seasoned account executives in Md, PA, and NJ”

Headquartered in San Diego, California, LendSure Mortgage Corp. is a Non-QM wholesale mortgage company founded in 2015 to help mortgage professionals better serve their clientele by offering a wider range of programs to meet their needs.

With the demand for Non-QM expected to skyrocket within the next couple of years, mortgage brokers need to offer these programs in order to stay competitive. LendSure’s focus on hands-on customer service, common-sense underwriting, and unsurpassed funding times has made it the go-to lender for Non-QM loan programs.

Webinar: Loan Originators – Non-QM for “A” Paper Borrowers

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Non QM Mortgage Webinar

Wednesday, June 13, 2018
10:00 AM Pacific / 1:00 PM Eastern

Sometimes borrowers with excellent credit do not qualify for conventional mortgages for a variety of reasons. Learn how you can reduce turn-downs by offering Non-QM loan solutions to the “A” paper borrowers you see every day.

In this webinar, learn how you can gain a competitive advantage by offering mortgage loan solutions to:

  • Self-employed borrowers
  • Property investors
  • Foreign nationals
  • Borrowers with complex or multiple income streams
  • Borrowers with past credit event issues, such as bankruptcy or foreclosure

The market opportunity for Non-QM is expected to skyrocket in the coming months and only a fraction of mortgage originators are serving this growing market. Don’t miss this important opportunity and reserve your spot today.

Register Today

Contact Us: (888) 707-7811