RESOURCES

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Non-QM

85% LTV
No-Ratio – 75% LTV
No Income or Job Verification
FICO Down to 600
Short-Term Rental
No Reserves (Most Programs)
Loan Amount to $3,000,000
ITIN & Foreign National
Rural Property
Manufactured Homes

Alt. Income – 90% LTV
12 Months Bank Statements
1 Year Self-Employed
FICO Down to 600
$4,000,000 Loan Amounts
1 Score or No Score Option
No Reserves under <75% LTV
Asset Depletion
ITIN & Foreign National
Non-Warrantable Condos
Manufactured Homes
First Time Homebuyers OK

Fall-Out and DPA QM

5% DPA Re-Payable Option
3.5% Forgivable Option
No-Income Limits
FICO Down to 600
Manual Underwrite
Competitive Pricing
Manufactured Homes OK
Follow DU or LP
High Balance Available
Non-Occ. Co-Borrowers

Conventional Manual UW
VA & FHA Manual UW
VA & FHA FICO to 550
Wide Product Mix
No Overlays
Aggressive UW
Make Sense Lending
High Balance Available

Online Pricing and Portal
Upfront AI Income Calculation
Mini-Corr (Coming Soon)
TBD Approvals
Easy Broker Package
No EPO or Buy-Back Clause
30+ Years Experience
Work Directly w/ Decision Makers

Programs in Development

1-4 Units
$4 Million Max Loan Amount
90% LTC
Can do with ITIN & Foreign National
5-29 Units
$10 Million Max Loan Amount
90% LTC
Can do with ITIN & Foreign National

90% LTC O/O
80% 2nd Home LTC
75% LTC Jumbo & Investment
Can do with a non-QM takeout.

Commercial
Mixed Use
Land
Non-QM Fall out
Fix & Flip and Construction

Purchase a Borrowers Departing Residence - Allows them to buy without making a contingent offer.
Purchase a new home cash or payoff builder right away - Allow Borrower to make competitive Cash Offer

BECOME A PARTNER

General Information

Primary Contact Name

Primary Contact Title

Primary Contact Phone Number

Primary Contact Email Address

Company Name

DBA (if applicable)

Corporate Address

City

State

Zip

Branch Address

City

State

Zip

Phone Number

Email Address

Website

Primary Contact Name

Primary Contact Title

Primary Contact Phone Number

Primary Contact Email Address

Licensing Information

NMLS Company ID

NMLS Individual ID

• State Licensing Numbers (list all applicable):

Operations

Processing Location:

Central Office Branch Office(s) Other

Processor Name

Processor Email

Processor Phone Number

Compensation

Lender Paid Comp

Acknowledgments

By signing below, I certify that the information provided in this application is true, complete, and accurate to the best of my knowledge. This form will allow me to access the Mortgage AI Laon Portal, Submit Loans, Price Loans, Lock Loans and Disclose Loans. However, Mortgage AI will require a fully executed and approved Broker Application from my corporate office prior to funding any loan.

Authorized Representative Signature

Printed Name

Title

Date

Products

Nations Direct Mortgage is a direct seller to Fannie Mae, Freddie Mac, and Ginnie Mae which allows us to provide a wide array of flexible mortgage products that suit the specific needs of you and your borrowers

Resources

Non-QM

DSCR

Expanded Prime

Fall-Out and DPA QM

Down Payment Assistance – FHA

Manual UW & Fall-Out Lender

Company Highlights

Programs in Development

Mini Correspondent

Fix and Flip

Construction Loans - Our Money

Private Money

Reverse Mortgages

Bridge Loans

Home Simple Cash Purchase Program

BECOME A PARTNER

Products

Conventional

VA

FHA

Resources

Become an Approved Seller

Loan Purchase Agreement

NDC Delivery Checklist

Seller Guide

Seller Eligibility Policy

Seller Annual Recertification

Quick Reference Guide

NDC Change Form

Ready to get
started ?

Address

Address

Phone

Email

Maybe your question is have been answered, check this out.

Resources

Non-QM

DSCR

Expanded Prime

Fall-Out and DPA QM

Down Payment Assistance – FHA

Manual UW & Fall-Out Lender

Company Highlights

Programs in Development

Mini Correspondent

Fix and Flip

Construction Loans - Our Money

Private Money

Reverse Mortgages

Bridge Loans

Home Simple Cash Purchase Program

BECOME A PARTNER

Products

Conventional

VA

FHA

Resources

Become an Approved Seller

Loan Purchase Agreement

NDC Delivery Checklist

Seller Guide

Seller Eligibility Policy

Seller Annual Recertification

Quick Reference Guide

NDC Change Form

Ready to get started ?

Address

Address

Phone

Email

Maybe your question is have been answered, check this out.

Ready to get
started ?