Wholesale Lending
We Know Non-QM
and what it takes
Stellar Products, Pricing, Service, and Experience.
Modern Mortgage Products for Discerning
Mortgage Professionals.
We understand that our partners need to remain competitive in this ever-changing market, so we strive to provide the most comprehensive Non-QM products available and are dedicated to providing an industry-leading level of service and support. As a wholesale lender we take Non-QM to the next level.
Our Non-QM products encompass a wide range of loan types, including Bank Statement programs, Asset Depletion programs, Investor-DSCR programs, Alt Doc programs and more. Our experienced staff knows how to navigate the complexities associated with these products so you can close more loans while keeping your borrowers happy.
Our Account Executives each have more than 25 years wholesale lending experience. Whether it’s navigating questions about program eligibility or providing status updates on loan submissions – our Account Executives and Operations team will be there for you every step of the way. When you choose OneTrust Home Loans as your wholesale lending partner, you can be confident that you are working with a trusted and experienced lender.
Rate Sheet and
Program Guidelines
What We Do Best
P&L Only 12 or 24 months:
CPA or tax professional prepared
CPA not required to have prepared tax returns
Loans to $3.0 million
LTV to 80% (higher by exception)
Max DTI of 55%
Min FICO of 660
Foreign National:
2nd home or investment
LTV to 70%
Max DTI 50%
Loans to $3.0 million
Wage earner or self-employed
No US credit required
Alt credit from their country of origin - 1 bank reference letter & 2 credit reference letters
Bank Statements 12 or 24 months:
Business or Personal
Loans to $3.0 million
LTV to 85%
Max DTI of 55%
Min FICO of 660
Multiple expense factor models
Cash out seasoning only 6 months across all programs
DSCR:
DSCR to .750
LTV to 75%
Loans to $3.0 million
Cash out available
No Ratio DSCR option - asset-based loans, based on the value of the property
Alt Doc:
Includes 1 year tax returns
1099 only
WVOE only
Asset Depletion
Loans to $3.0 million
LTV to 80% (higher by exception)
Stand Alone 2nd:
90% max LTV
Loan amount to $550,000
Owner, Second and non-owner-occupied properties
Bank statement income 12-24 months qualification
50% Back-end DTI allowed
Combined liens up to $2,500,000
Credit score used for the primary income borrower
FICO score down to 660
Interest only first trust deeds allow at lower DTI ratios