Completed an $800,000 commercial loan covering 3328 and 3702 Orange Avenue in Fort Pierce. Foreign national financing. Clear to close in 35 days. Closed July 2025.
Foreign National Investment
Completed $880,000 in Non-QM financing for an investment property in Loxahatchee. Closed in May 2025. Foreign national financing. Clear to close in 24 days.
Foreign National Investment
Completed $763,750 in Non-QM financing for an investment condominium at Domus Brickell Park in Miami. Closed in July 2026. Foreign national financing. Clear to close in 35 days.
Primary residence · First-time homebuyer
We helped a first-time homebuyer purchase a primary residence in Miramar with $441,350 in conventional financing. Closed in December 2021. Clear to close in 30 days.
Primary residence
Completed a $1,125,000 Non-QM refinance for a primary residence in Loxahatchee. Clear to close in 14 days. Closed October 2025.
Primary residence · First-time homebuyer
A new chapter in Hollywood: we helped a first-time homebuyer finance a primary residence with a $488,750 conventional loan. Closed in October 2026. Clear to close in 28 days.
Primary residence · First-time homebuyer
We helped a first-time homebuyer purchase a primary residence in Tarpon Springs with $255,000 in conventional financing. Closed in April 2022. Clear to close in 28 days.
Investment property
Completed $152,000 in conventional financing for an investment property in Palm Harbor. Clear to close in 23 days.
Primary residence · First-time homebuyer
We helped a first-time homebuyer purchase a primary residence in Oakland Park with a $100,000 conventional loan. Closed in April 2022. Clear to close in 30 days.
Duplex · First-time homebuyer
We helped a first-time homebuyer purchase a Miami duplex with $714,000 in Non-QM financing. Closed in July 2025. Clear to close in 33 days.
Primary residence · First-time homebuyer
We helped a first-time homebuyer purchase a primary residence in Plantation with $688,750 in conventional financing. Clear to close in 30 days.
Investment property
Completed $170,000 in conventional financing for an investment property in Ocala, Marion County. Clear to close in 22 days.
Primary residence · First-time homebuyer
We helped a first-time homebuyer purchase a primary residence with a $340,000 Non-QM loan. Closed in November 2024. Clear to close in 18 days.
Ground-Up Construction Loan
Financing a project from the ground up: we completed an $850,000 ground-up construction loan in Loxahatchee in October 2023. Clear to close in 14 days.
HELOC
We helped a Miramar homeowner establish a $77,500 home equity line of credit. Closed in October 2024. Clear to close in 12 days.
Cash-out refinance
We helped a Pompano Beach property owner access equity through a $300,000 Non-QM cash-out refinance. Closed in June 2025. Clear to close in 14 days.
Property financing
Completed a $150,000 hard money loan for a property in Lehigh Acres.
Beyond the Standard Mortgage.
Alongside traditional loan programs, LendEase helps you explore specialized financing and alternative documentation options for goals that call for a different approach.
Featured programs
Alternative Documentation Options
Flexible options for today's homebuyers and homeowners.
01
Primary Residence Purchase
No Income Documentation
Explore alternative documentation programs designed around your financing needs.
Subject to lender guidelines and eligibility. Documentation requirements vary.
*Florida homestead exemption depends on ownership, permanent residency and other requirements. Apply through your county property appraiser, who determines eligibility; the loan itself does not qualify you for the exemption.
Have 20% down and a 640 credit score, but no income?
You may qualify to buy your primary home with a credit score as low as 640—without tax returns, W-2s, or pay stubs. This may be an option if your tax returns don’t reflect your current earnings.
Buy now, then explore refinancing after building a two-year documented income history. Approval depends on lender requirements, including credit, down payment, and reserves. Future refinancing is subject to qualification and available rates.
02
Cash-Out Refinance
No Income Documentation
Explore alternative documentation programs designed around your financing needs.
Access available home equity
Explore cash-out options
Compare lender requirements
Guidance through your refinance
Rate and Term Refinance
Explore long-term savings
Refinance your existing mortgage to explore a lower interest rate, a different repayment term, or a more manageable monthly payment.
Potentially lower your monthly principal and interest payment
Shorten your loan term to pay off your mortgage sooner
Explore switching from an adjustable rate to a fixed rate
Subject to lender guidelines and eligibility. Documentation requirements vary.
*Florida homestead exemption depends on ownership, permanent residency and other requirements. Apply through your county property appraiser, who determines eligibility; the loan itself does not qualify you for the exemption.
Your original down payment may keep working for you.
The down payment you made when you purchased helped build equity in your property. When refinancing, the lender may use your available equity toward its loan-to-value requirements, so you may not need to make another down payment.
Eligibility depends on your property’s current appraised value, existing loan balance and lender requirements. Closing costs, fees, reserves or a cash contribution may still be required. We’ll help you review the numbers and understand any funds needed before closing.
All Mortgage Solutions
Find the right loan for your home, investment or business.
National averages—not a LendEase rate quote or commitment to lend. Actual rates and terms depend on your qualifications and lender requirements. Source content is provided in English.
Estimated Monthly Payment
$2,623 / month
Principal & Interest$2,023
Property Taxes$400
Homeowners Insurance$200
HOA & Mortgage Insurance$0
Loan Amount$320,000
Illustrative estimate only. The interest rate shown is an example, not a current rate quote or commitment to lend. Additional costs may apply.
Why choose LendEase
A Mortgage Partner You Can Trust
As a mortgage brokerage, we give you access to multiple lenders, more loan options and personalized guidance to help you achieve your goals.
We help borrowers explore conventional, FHA, DSCR investor, foreign national, hard money and refinance options. Availability depends on your needs and lender guidelines.
Do you offer loans with alternative documentation?
Alternative documentation programs may be available for eligible borrowers. Lender, property and credit requirements vary. Contact us to discuss your situation.
Can I use a gift for my down payment?
Some programs allow gift funds, subject to lender requirements for the donor, source and documentation. We can help you understand the options.
How long does the process take?
We work quickly and have closed loans in as little as 14 days. Some loans take about 30 days, and others may take longer. Timing depends on the loan program, lender underwriting, appraisal, title and complete documentation. A specific closing date or approval is not guaranteed.
YOUR EXPERIENCE MATTERS
Share Your Experience
Tell us about your experience with LendEase. Your review stays private until it is reviewed and approved.
Customer review submissions will be available soon.
Mortgage Loan Programs
Loan Programs
Flexible mortgage solutions for your home, investment, or business.
Our Loan Programs
Find the right mortgage solution for your goals.
Conventional Loans
Flexible options for primary homes and investment properties.
Non-QM Loans
Flexible financing options with alternative qualification and documentation.
FHA Loans
Low down payment options with flexible credit requirements.
DSCR Investor Loans
Financing based on property cash flow for real estate investors.
Foreign National Loans
Mortgage options for international buyers investing in the U.S.
Hard Money Loans
Financing options for real estate investment projects.
Refinance Loans
Explore rate and term, cash-out, and hard money refinance options.
Not Sure Which Loan Program Is Right for You?
Our team will help you explore your options and find a solution based on your goals and financial situation.
Clear answers about applications, financing options, costs and privacy.
Where do you offer mortgage services?
Primary-residence mortgage services are offered in Florida. Investment-property financing availability depends on applicable state requirements and lender guidelines. Availability for a particular transaction depends on the state, loan purpose, property, applicable licensing requirements and lender guidelines. Contact us to confirm your scenario.
What loan programs can I explore?
Explore conventional, FHA, DSCR investor, foreign national, hard money and refinance options. Eligibility, documentation and availability depend on the lender, property, loan purpose and your circumstances. A program description is not an approval or commitment to lend.
What are your mortgage rates?
Rates and annual percentage rates (APRs) vary with the loan program, credit profile, property, occupancy, loan amount, fees, points and market conditions. Contact LendEase for a quote with the applicable terms. An estimated rate or online calculator result is not a rate lock. Rates may change or may not be available at commitment or closing.
How much does a mortgage cost?
Costs can include principal and interest, lender and third-party fees, property taxes, homeowners insurance, mortgage insurance, association charges and other applicable expenses. An APR is different from the interest rate and reflects certain credit costs. Review the disclosures applicable to your transaction; an online estimate may not include every cost.
How quickly can you close?
We work quickly and have closed loans in as little as 14 days. Some loans take about 30 days, and others may take longer. Timing depends on the loan program, lender underwriting, appraisal, title and complete documentation. A specific closing date or approval is not guaranteed.
What credit score do I need?
There is no single score that applies to every program. Lenders consider the program, credit history, income or qualifying cash flow, assets, debts, property and other requirements. Contact us about the options available for your situation for your circumstances.
Can I buy a home if I am self-employed?
Self-employed borrowers may be eligible for financing. Documentation can vary by lender and program and may include tax returns, business records or eligible alternative documentation. Being self-employed does not by itself guarantee approval or remove all income-documentation requirements.
What down payment do I need?
Down-payment and equity requirements depend on the program, property, occupancy, loan amount, borrower qualifications and lender rules. Contact us to discuss a specific scenario and any assistance programs that are actually available. The same requirements do not apply to every borrower.
Can I use gift funds for a down payment?
Some programs permit gifts, subject to requirements for the donor, source, documentation and permitted use. Ask us about the guidelines for the loan you are considering before transferring funds.
What does alternative documentation mean?
Some alternative-documentation or investor programs use different ways to qualify a borrower or property. They do not mean no underwriting, no documents or guaranteed credit. Lender requirements for identity, assets, credit, property and other factors still apply. Confirm the exact documents required for your program.
How does a DSCR investor loan work?
A debt service coverage ratio (DSCR) program evaluates qualifying property income in relation to specified debt-service expenses. Calculation methods and eligibility vary by lender. These programs are generally designed for investment scenarios; they should not be presented as interchangeable with owner-occupied primary-residence financing.
What is the difference between prequalification and approval?
Prequalification is an initial assessment based on information provided and any review performed at that stage. Final approval generally depends on lender underwriting, verification, acceptable property and other conditions. Prequalification is not a guarantee of a loan or a commitment to lend.
Will starting an application affect my credit score?
The effect depends on whether and how a credit inquiry is obtained during the process. Review the authorization in the application and ask LendEase whether a soft or hard inquiry will be used before authorizing it. This website does not promise that every application has zero impact on credit.
Why work with a mortgage broker?
LendEase helps borrowers explore options from lenders and provides guidance through the mortgage process. A broker is distinct from the lender that makes the loan. Compare the total costs, terms and services available to you; working with a broker does not guarantee the lowest rate, lowest fees or approval.
How do I apply?
Use the Apply Now button below to open the designated application portal. Review the portal’s privacy notices, credit authorization and other disclosures before submitting information. For sensitive documents, follow the secure submission instructions provided for your application.
How can I check licensing information?
Search NMLS Consumer Access for LendEase Inc., company NMLS #2577937, and the individual loan originator assisting you. Check the relevant state license status and any additional regulator records. An NMLS number identifies a record; it is not itself a statement of approval, endorsement or authority in every state.
Where can I ask a privacy question or raise a concern?
Contact LendEase at info@lend-ease.com, main 954-210-2222 (WhatsApp available), or office 754-888-3273. Privacy details and available choices should be explained in the approved website policy and applicable financial privacy notice. You can also contact the relevant state regulator or the Consumer Financial Protection Bureau about a mortgage concern.
Personal mortgage guidance for your home, investment and next chapter.
Welcome to LendEase
A mortgage partner focused on you.
Buying a home or investing in property is a meaningful decision. At LendEase, we help you understand your financing options and move through the mortgage process with clear communication and personal attention.
Based in Plantation, Florida, LendEase Inc. is a mortgage brokerage connecting borrowers with lending options suited to their property, goals and financial circumstances.
Abdalla Darwish brings mortgage loan origination and processing experience since 2021. His work includes reviewing borrower income, assets and credit, preparing loan files, coordinating underwriting requirements and helping borrowers prepare for closing.
Buying property in the U.S. can involve unfamiliar financing and documentation requirements. Abdalla specializes in foreign national mortgage transactions, helping international borrowers navigate lender requirements for income, assets, credit and supporting documents. His experience spans borrower qualification, loan file review, underwriting coordination and closing preparation.
International borrower guidance
Help organizing income, asset and credit documentation for lender review, including the requirements that can differ for foreign national borrowers.
Support through each stage
Hands-on coordination with processors, underwriters, lenders, title companies and real estate professionals to address documentation and closing requirements.
English & Spanish
Clear communication in English and Spanish, with personal attention to your questions, property plans and financing goals.
Our approach
Clear guidance. Personal service.
01
Start with your goals
We take time to understand the property you have in mind, your financing needs and what matters to you.
02
Explore your options
We explain available loan structures, documentation requirements and next steps so you can make an informed decision.
03
Stay informed
From application through closing, we help coordinate the process and communicate what is needed along the way.
Rooted in South Florida
Home financing and investment solutions.
Our primary-residence mortgage services serve borrowers in Florida. We also help borrowers explore investment-property financing, subject to applicable state requirements and lender availability.
Whether you are exploring a home purchase, refinance or investment, we can discuss the programs available for your circumstances, including options for foreign-national borrowers.
Let’s find your next step
Explore conventional, FHA, DSCR investor, foreign national, hard money and refinance options.
Please use the application portal for sensitive application information. Do not send Social Security numbers, bank statements, passwords or other sensitive documents through ordinary email or text messages.
Primary-residence financing in Florida. Investment-property financing is subject to applicable state requirements and lender availability.
Privacy Policy
How we handle your information when you contact us or apply for a mortgage.
About this notice
LendEase Inc. operates lend-ease.com and provides mortgage brokerage services. This policy describes information used in connection with website inquiries and mortgage applications. Our Financial Privacy Notice describes the handling of nonpublic personal information and applicable privacy choices in connection with mortgage services.
Information you provide
When you request information or begin a mortgage application, the information involved can include your name, contact details, property information and financing goals. A mortgage application may also require identity, income, employment, assets, liabilities, credit and other financial information relevant to the requested loan.
LendEase uses the information you provide to respond to your request and assist with your mortgage application. Lenders and application-service providers may also receive information needed to process your application. Credit reports or other third-party records may be obtained where permitted by law and with any required authorization.
Use the designated application portal for application information. Do not send Social Security numbers, passwords, bank statements or other sensitive documents through ordinary website messages, chat or unsecured email.
How information is used
Information is used to respond to inquiries, evaluate requested financing, communicate about an application, submit an application to an appropriate lender, support the mortgage process, prevent fraud, and meet legal or recordkeeping obligations.
No sale or marketing sharing
LendEase does not sell your personal information or share it with third parties for their marketing. LendEase does not conduct joint marketing or share customer information with affiliates for marketing.
Information may be disclosed as needed to process your requested mortgage services, including to lenders, application and processing providers, credit-reporting providers, settlement participants, professional advisers, or public authorities where permitted or required by law. These application-related disclosures are separate from selling information or sharing it for marketing.
By submitting a mortgage application to LendEase and providing your telephone number, you request that LendEase contact you at that number about your application and the financing you requested. LendEase calls people who submit applications to discuss their application. You may ask us to stop follow-up calls by telling your representative or contacting info@lend-ease.com · Main: 954-210-2222 Office: 754-888-3273.
This application-follow-up request does not provide blanket consent to unrelated marketing, automated or prerecorded marketing calls, or marketing text messages. Any separate consent required by law must be obtained through the applicable consent process.
Cookies and external services
The website and application services may use cookies or similar technologies for sign-in, security, preferences and functionality. Embedded content and external services may receive technical information when you use them. You can manage cookies through your browser settings; disabling cookies may affect some features.
External application and other websites
The application button leads to aldarwish.zipforhome.com. Before entering personal information, review the notices and consent requests displayed by that service. Other external links may take you to websites operated by separate organizations.
Retention and safeguarding information
Loan files and related records can be subject to legal, regulatory, security and business retention requirements. Contact LendEase with a question about a record or privacy request. No method of electronic transmission or storage can be guaranteed completely secure.
Privacy requests and updates
You may contact LendEase about access, correction, deletion or sharing choices that may be available under applicable law. Some requests may be subject to identity verification, legal retention requirements or other exceptions. Updates to this policy will be posted with a revised date.
Customer reviews and photos
If you submit a review, we collect your display name, email, rating, review text, any photo you choose to provide, and a record of your publication permissions. Submissions are private until approved. Your display name, rating, review and permitted photo may appear publicly with a response from LendEase; your email is not published. Reviews and photos are used to share customer experiences and manage feedback.
To request removal of your review or photo, email info@lend-ease.com. We retain submissions and consent records while needed to manage reviews, address requests and meet applicable recordkeeping obligations. Public removal does not remove copies already saved by other people. Please do not submit loan documents, identification, account numbers or other private financial information through the review form.
Licensing & Disclosures
Company information, service scope and important mortgage disclosures.
Investment-property financing: Investment-property financing availability depends on the state, property, loan purpose and lender guidelines. Contact LendEase to discuss your transaction.
Brokerage and loan terms
LendEase acts as a mortgage broker. The applicable lender evaluates the application and loan terms. A website estimate, program description or prequalification does not guarantee approval, a particular rate, funds or closing date.
Rates, fees and program terms may change and depend on qualifications, property, documentation, loan purpose and lender requirements. A stated rate may change or may not be available at commitment or closing. A rate lock requires the applicable lender’s agreement.
Calculator estimates
Payment-calculator results are illustrative estimates based on the information entered. The calculator’s interest-rate input is not a live offer or APR quote. Results may exclude closing costs, reserves, flood insurance, assessments or other charges. Confirm the complete payment and transaction costs in applicable lender disclosures.
Equal housing and fair lending
Equal Housing Opportunity. Mortgage services must be provided in accordance with applicable fair housing and fair lending laws. A consumer’s eligibility is evaluated under lawful program and underwriting requirements.
Privacy and applications
Read our Privacy Policy. The application portal may have separate notices and authorizations. Privacy notices and credit authorizations must accurately reflect the process used for the application.
How LendEase handles personal information for mortgage services.
Revised October 2026
LendEase Inc. · Financial privacy
Your mortgage information and privacy
This notice explains how LendEase Inc. handles personal information in connection with mortgage brokerage services. It is separate from the general website privacy policy. Contact us at 954-210-2222 · info@lend-ease.com with a privacy question or request a paper copy at 10135 W Sunrise Blvd, Plantation, FL 33322.
Information involved
Depending on the mortgage services you request, information may include identification and Social Security numbers, contact details, employment and income, assets and bank records, debts, credit history, and information about your property and loan application.
Information can come from you, application documents, lenders and service providers involved in your requested transaction, or credit-reporting and other verification sources where permitted by law and with any required authorization.
Use and disclosure
Information is used to evaluate and process the financing you request, communicate with you, coordinate with lenders and transaction providers, address fraud and legal requirements, and maintain required records.
Purpose
Does LendEase share?
Can you limit it under this notice?
Processing requested services, verification, fraud prevention and legal obligations
Yes, as needed and permitted by law.
No for disclosures permitted under applicable processing, servicing or legal exceptions.
Marketing LendEase services through third-party marketing providers
No.
We do not share for this purpose.
Joint marketing with other financial companies
No.
We do not share for this purpose.
Affiliates’ routine business use, including transaction, experience or creditworthiness information
No.
We do not share for this purpose.
Affiliates’ marketing
No.
We do not share for this purpose.
Unrelated companies’ own marketing
No.
We do not share for this purpose.
LendEase does not sell personal information or share it for third-party marketing.
Necessary recipients may include the lenders evaluating your requested financing, application and processing providers, credit/verification providers, title or settlement participants, advisers, and authorities where permitted or required by law. They may be separate companies; disclosure for your loan transaction is distinct from marketing.
Your choices
The sharing described above is limited to purposes permitted by applicable law. LendEase does not share information for the optional marketing purposes listed above. Other rights may apply under state law or a recipient’s own notice. Contact 954-210-2222 · info@lend-ease.com about your privacy choices or to ask us to stop application-follow-up calls.
When your application ends or you are no longer a customer, information may still be retained and disclosed for the limited purposes described here, subject to applicable law.
Protecting your information
LendEase restricts access to borrower information to authorized staff and service providers who need it for their work. We use password-protected accounts, multifactor authentication and secure document-upload tools. Paper borrower records, if maintained, are kept in locked storage. These measures are designed to protect information from unauthorized access and use; no system can guarantee absolute security.
Terms used here
Affiliates are companies under common ownership or control. Unrelated companies are not under common ownership or control. Joint marketing is an arrangement with another financial company to market financial products or services together.
LendEase Inc. · Company NMLS #2577937 · Individual originator NMLS #2046254.
Conventional Loans
A conventional mortgage is not insured or guaranteed by a federal government loan program. Conventional loans can be conforming or nonconforming; a conforming loan follows the applicable Fannie Mae or Freddie Mac requirements.
What to consider
Purchase and refinance options may be available for eligible properties and occupancy types.
Down payment, credit and documentation requirements depend on the lender and program.
Mortgage insurance may apply depending on the loan structure and equity.
Conventional, conforming and qualified mortgage describe different aspects of a loan.
Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.
FHA Loans
FHA loans are insured by the Federal Housing Administration and offered through participating lenders. They may be an option for eligible first-time or repeat homebuyers purchasing a principal residence.
What to consider
Borrowers must meet applicable credit, income, property and occupancy requirements.
FHA mortgage insurance generally includes upfront and annual charges.
Eligibility after past credit events depends on program requirements and lender review.
FHA financing is generally for a principal residence, rather than a vacation home or investment purchase.
Ready to grow your real estate portfolio? Get prequalified with LendEase.
For investment properties only. Eligibility, credit, rental coverage, and property requirements apply. Maximum financing varies by scenario. Subject to underwriting approval.
A debt service coverage ratio (DSCR) loan is an investment-property financing option that evaluates qualifying property income relative to the debt-service expenses specified by the lender.
What to consider
Designed for eligible investment scenarios, rather than an owner-occupied primary residence.
Lenders may review rental income, property valuation, credit, assets and reserves.
Personal income documentation requirements and DSCR calculations vary by lender.
Down payment, ownership structure, eligible properties and prepayment terms depend on the program.
Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.
Foreign National Loans
Foreign-national financing may be available to eligible buyers from outside the United States for qualifying U.S. property purchases or refinances.
5 Requirements to Apply for a Foreign National Loan
U.S. Visa
Passport
Bank Statements:Proof of financial stability and capability to make repayments.
Bank Reference Letter:A letter from your bank attesting to your financial standing and history.
Accountant’s Letter:A letter from your accountant verifying your income and financial health.
Our loans are designed to cater to your unique financial situation, providing you with the flexibility and support needed to invest in U.S. real estate. Talk to our experts to explore which option is best for your needs.
Requirements vary by lender, loan program and residency status. A U.S. visa may be required for some programs; contact LendEase to confirm the documents needed for your situation.
What to consider
Eligible residency, property use and geographic availability depend on the lender and applicable requirements.
Income, assets, identity and credit documentation may include records from the applicant’s home country.
Down payment, reserves, loan amounts and acceptable funds vary by lender.
Ask about currency, translation and document requirements for your circumstances.
Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.
Hard Money Loans
Hard money financing is an alternative option for eligible real estate investment or business-purpose transactions. Lenders generally place substantial emphasis on the property and proposed transaction.
What to consider
Bridge, renovation or other investment structures may be available depending on the lender.
Rates, fees, repayment terms and maturity can differ substantially from conventional financing.
Some loans may include a balloon payment or prepayment charge.
Property, borrower qualifications, documents and closing conditions still require lender review.
A particular closing date or approval is not guaranteed.
Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.
Refinance Loans
Refinancing replaces an existing mortgage with a new loan. Your goals may include changing your interest rate or loan term, accessing available home equity, or exploring alternative financing for an investment property.
Refinance options include:
Rate and term refinance: Explore a new interest rate, repayment term, or loan structure.
Cash-out refinance: Use available equity to obtain funds at closing, subject to lender requirements.
Hard money refinance: Explore property-focused financing for real estate investment needs.
Your available options depend on your equity, property, credit profile, documentation, and lender guidelines.
Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.
Non-QM Loans
A non-qualified mortgage (Non-QM) is a mortgage that does not meet the applicable qualified-mortgage criteria. These programs may offer alternative ways to document income or evaluate an eligible borrower.
Types of Non-QM Loans
DSCR Loans
12/24-Month Bank Statement Loans
ITIN Loans
1- or 2-Year Profit & Loss (P&L) Loans
1- or 2-Year Full-Documentation Non-QM Loans
1099 Loans
Written Verification of Employment (WVOE) Loans
Asset Utilization Loans
Available programs and qualifying documentation vary by lender. Some options, including DSCR, are designed for eligible investment-property transactions. Contact LendEase to confirm the program suited to your loan purpose and circumstances.
Borrowers Who Can Consider a Non-QM Loan
Non-QM loans may be an option for borrowers who do not meet traditional lending criteria but can manage the required down payment and monthly payments. You might consider a Non-QM loan if:
You’re a contractor, self-employed, retired, or otherwise unable to meet traditional income documentation requirements.
You’ve recently experienced a major credit event, such as foreclosure or bankruptcy.
You’re a landlord seeking a program that considers eligible rental income or property cash flow, subject to the lender’s rules for the property and loan purpose.
More than 43% of your income goes toward paying monthly debts.
These loans offer flexibility for unique financial situations and may help you explore financing suited to your needs.
These examples do not establish eligibility or guarantee approval. A debt-to-income ratio above 43% does not by itself determine whether a loan is Non-QM. Documentation, credit-event waiting periods, debt-to-income limits, down payment and ability-to-repay requirements vary by lender and program. Investment-property cash-flow programs and owner-occupied financing have different requirements.
Commercial Loan · Foreign National Investment
Foreign National Investment
Foreign National Investment
