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Deephaven as it happens
What Makes a Top Non-QM Lender?
The birth of Non-QM lending. In 2014, the Consumer Finance Protection Bureau, primarily in reaction to the mortgage crisis of 2008, established the qualified mortgage. A qualified mortgage is simply a mortgage that adheres to a set of federally mandated criteria for...
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Sometimes Ingenuity is Common Sense with a Twist.
Deephaven uses a set of alternative documentation programs to evaluate a Non-QM borrower’s ability to repay a loan. For example, we can use 12-24 months of bank statements to verify a self-employed borrower has adequate cash flow and reserves. Or, on a DSCR loan for...
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