At Encore Mortgage Funding, Inc., we are dedicated to providing flexible and personalized financing solutions tailored to your specific needs. Whether you’re self-employed, a foreign national, or facing a unique financial situation, our diverse loan programs are designed to fit your lifestyle and long-term goals.

We recognize that every financial journey is different. That’s why we offer temporary financing options to help you transition smoothly toward more traditional conventional or government-backed loans. Our expert team will be with you every step of the way, ensuring you are well-positioned to qualify for the best loan programs available.

Non-QM Loans (Non-Qualified Mortgage Loans)

Non-QM loans are an excellent solution for borrowers who don’t meet the strict requirements of conventional loans. These loans are ideal for individuals with complex income sources or unconventional employment situations. Non-QM loans allow for flexibility in qualification standards, such as higher debt-to-income ratios, credit score variances, and alternative income documentation.

Key Features:

• No requirement to follow strict Dodd-Frank regulations
• Available for self-employed, freelancers, or borrowers with high but non-traditional incomes
• Flexible underwriting that can consider other financial assets, not just credit scores

No-Ratio Loans

For borrowers who have significant assets but cannot or do not wish to disclose their income, No-Ratio loans are a great option. These loans are based on your assets and creditworthiness, rather than your income. This is ideal for those with non-traditional financial profiles, such as investors or retirees.

Key Features:

• No income documentation required
• Qualification based on assets and credit profile
• Ideal for high-net-worth individuals with substantial liquid assets

NRA Loans (Non-Resident Alien Loans)

Non-Resident Aliens (NRAs) looking to invest in U.S. real estate can face challenges with traditional financing options. Our NRA loan programs are designed to offer flexible financing solutions to foreign nationals who want to purchase or invest in U.S. properties.

Key Features:

• Available for foreign nationals without U.S. residency or a Social Security number
• Flexible income verification standards
• Suitable for investment properties, vacation homes, or primary residences

Bank Statement Loans

Self-employed borrowers often face difficulties when applying for traditional loans due to the complexity of their income. Bank statement loans solve this problem by allowing applicants to qualify based on their personal or business bank deposits, rather than tax returns.

Key Features:

• No tax returns required for qualification
• Ideal for business owners, freelancers, or independent contractors
• Use 12-24 months of personal or business bank statements to verify income