Deephaven partners with lenders who share the vision for rebuilding the non-government mortgage market and providing common sense-driven underwriting decisions centered around a borrower’s ability to repay.

Close more loans

Expand potential borrower base by offering responsible Non-QM loan options

Be an Industry Leader

Provide credit access to an under-served market segment

Grow Your Business Responsibly
Home Ownership Opportunity

Responsible Non-QM loans open doors for millions of borrowers

Reasonable Payments

Often cheaper than rent

Responsible & Transparent Products

Expanded-Prime

Borrowers Just Outside of Prime
Owner-occupied borrowers at least 4 years past their housing default. LTV’s up to 80%.

Best for:

  • 4+ years removed from housing default
  • Fixed, Arm and Interest Only options available
  • Documentation-Full Doc (2-Yrs W-2/1099 or 2-Yrs Tax Returns) & Bank Statements Options

Details:

Full Doc Bank Statement
660 Min FICO 660 Min FICO
80% Max LTV 80% Max LTV
Seasoning: 48 Mo. from Bankruptcy
Seasoning: 48 Mo. from Housing Event
  • Loan Amounts to $1.5M
  • Cash-Out Limits to $500k
  • Primary, Secondary, & Investment Occupancy
  • SFR, PUD, Townhome, Condo, 2-Unit, Rural Homes Properties

See guides and matrices for full product eligibility.

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Near-Prime

Borrowers Outside of Prime
Owner-occupied borrowers at least 3+ years past their housing default. LTV’s up to 80%.

Best for:

  • 3+ years removed from housing default
  • 40 & 30 Year Term with 10 Year I/O
  • Fixed, Arm and Interest Only options available
  • Documentation-Full Doc (2-Yrs W-2/1099 or 2-Yrs Tax Returns) & Bank Statements, 1 Year Doc Options

Details:

Full Doc Bank Statement
620 Min FICO 620 Min FICO
80% Max LTV 80% Max LTV
Seasoning: 36 Mo. from Bankruptcy
Seasoning: 36 Mo. from Housing Event
  • Loan Amounts to $1.5M
  • Cash-Out Limits to $500k
  • Primary, Secondary, & Investment Occupancy
  • SFR, PUD, Townhome, Condo, NW Condo, 2-4 Unit, Modular, Rural & Log Homes Properties

See guides and matrices for full product eligibility.

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Investor Advantage

Investors looking for Maximum LTV
Investment properties.

Best for:

  • Prior defaults
  • 10+ properties, LLC ownership, and Professional Investors
  • ARM & Fixed structures with interest-only options
  • Outside Agency Investor Guidelines

  • Non-Warrantable Condos
  • Business Purpose Loans

Details:

Important Highlights:
660 Min FICO
70% Max LTV
Seasoning: 24 Mo. from Bankruptcy
Seasoning: 24 Mo. from Housing Event
  • Loan Amounts to $1M
  • Cash-Out Limits to $250K
  • Investment Occupancy
  • SFR, PUD, Townhome, Condo, NW Condo, 2-4 Unit Properties

See guides and matrices for full product eligibility.

Request Information Back to List

Deephaven’s Deal Desk connects you to a qualified analyst offering you top-level support and guidance. Whether you are submitting a deal, or just have a question, we are here to help.

Our expert analysts provide clear communication and attentive guidance intended to help you select the right product and work quickly to close your Non-QM loans. 

+1.844.DHM.WHSL
dealdesk@deephavenmortgage.com

Hours: 8:30am – 6:30pm EST (Mon-Fri)

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