+ 
  + 
# Flex Select
!
## What is our Flex Select program?
The Flex Select program is a Non-QM loan solution designed with precision and flexibility in mind. With an LTV of up to 90% and a wide loan amount range, it’s suitable for diverse financial scenarios. The program’s core strength lies in its adaptability, whether for owner-occupied residences, second homes or investment properties, it provides a structured yet accommodating approach. With a clear focus on the borrower’s financial profile, the program requires only a minimum FICO of 640 based on the primary wage earners middle score. Its reduced documentation period and a pragmatic view on recent credit events underscore its commitment to efficiency. In addition to the full documentation option, this product also provides options for the self-employed borrower to determine what documents will best tell their financial story utilizing either business or personal bank statements, 1099 or P&L with or without bank statements to qualify. When the agency route just won’t work for your borrower’s specific scenario, our Flex Select program is a perfect alternative. In essence, the Flex Select program offers a balanced, professional and comprehensive mortgage solution.
## Need a Flex Select loan scenario review?
If you have a client scenario that you would like our team to review, please use our simple .
## Become an Approved Broker in Just Minutes!
Offer your clients even more financing options by becoming an NQM Funding, LLC-approved broker. You’ll gain access to our competitive loan packages, flexible programs, and top-quality support service to ensure that your clients are getting the best deal, every time.
## Sign Up to Get the Latest Rates
Get our latest offerings in your inbox. Stay in the know about the most competitive financing options in the industry.
## COMPANY
## PROGRAMS
## CONTACT US
Chat With Us
## LEGAL
NQM Funding, LLC - Equal Housing Lender - NMLS# 75597
* Terms of Use
This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with all laws and regulations. Distribution to the general public is prohibited. Rates and programs are subject to change without notice.
#### Contact Us
×
# Flex Second Lien
## What is Flex Second Lien?
The 2nd lien loan program is tailored for those seeking flexible financing solutions. It allows your borrowers to tap into up to 85% CLTV, with loan amounts ranging from $125K to $500K. Whether they’re eyeing a new purchase or considering a cash-out, this program has them covered. It’s versatile, catering to both owner-occupied and second homes. Plus, with a minimum FICO of 680, it focuses on the primary wage earner’s middle score for qualification. And to add a cherry on top, the program offers the choice of full documentation or alternative docs like bank statements and 1099s. Your borrowers can confidently step forward, knowing mortgage lates won’t hold them back.
## Need a Flex Second Lien loan scenario review
# DSCR Supreme
## What is our DSCR Supreme program?
Our newest program, DSCR Supreme is more restrictive and is our most competitively priced DSCR option. This one to four family investment property program offers an elegant blend of flexibility and robust features, catering specifically to the highly credit qualified investor for their business purpose loan needs. It allows for streamlined income verification through market rent or lease agreements, highlighting its commitment to ease and efficiency. It is complemented by versatile property type options and judicious financial provisions, solidifying its position as a premium choice for serious investors
## Need a DSCR Supreme loan scenario review?
# Investor DSCR Mixed Use
## What is Investor DSCR Mixed Use?
The Investor DSCR Mixed Use loan program is an investor’s dream come true for mixed-use properties. Here’s why: It grants up to a generous 75% LTV with loan amounts spanning from $250K right up to $3M, making it suitable for a range of investments.
## Need an Investor DSCR Mixed Use loan scenario review?
# ITIN
## What is our ITIN program?
The ITIN or Individual Taxpayer Identification Number program is specially crafted for the borrower who has an ITIN, for purposes of reporting taxes from passive income sources only, and is not employed in the U.S. A traditional U.S. credit report is not required for borrowers without a valid SSN. This program offers a clear path to financing and includes DACA. This program removes the barriers often faced by ITIN applicants, ensuring they have the same accessibility and ease as local borrowers.
## Need an ITIN loan scenario review?
# Super Jumbo
## What is a Super Jumbo?
The Super Jumbo program is a specialty product for high-net-worth borrowers with solid, stable income and credit and considerable assets for down payment, closing costs and reserves. The collateral must be a prime real estate property within a prime real estate market.
## Need a Super Jumbo loan scenario review?
If you have a client scenario that you would like our team to review, please use our simple .
# Accessibility Statement
Updated: Oct 2023
## GENERAL
NQM Funding, LLC strives to ensure that its services are accessible to people with disabilities. NQM Funding, LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
## ACCESSIBILITY ON USMTG.COM
NQM Funding, LLC makes available the  that is powered by a dedicated accessibility server. The software allows NQM Funding, LLC to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.0).
## ENABLING THE ACCESSIBILITY MENU
The NQM Funding, LLC accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner of the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.
## DISCLAIMER
NQM Funding, LLC continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.
Despite our efforts to make all pages and content on NQM Funding, LLC fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.
## HERE FOR YOU
If you are experiencing difficulty with any content on NQM Funding, LLC or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.
If you wish to report an accessibility issue, have any questions or need assistance, please contact NQM Funding, LLC Customer Support as follows:
Email: 