In today’s housing market, it’s becoming increasingly difficult to not only locate homes, but to get qualified for a mortgage as well. We understand that not all homeowners are alike – you could be self-employed, have filed bankruptcy in the past, or do not have enough money for an investment property. The good news is that Hartford can help with all the above issues and more with our Non-QM Loan Platform.
We are a trusted Non-QM mortgage lender which offers programs for every type of borrower. We offer asset only programs, no income or tax returns needed, qualify investment properties just using potential rental income, and can even accept non-US funds. Hartford has over 30 investors with the ability to underwrite and fund in-house, and broker out as well.
No matter what type of borrower you are, conventional or unconventional, Hartford can help with these specialty products. We know the feeling of losing out on a home and especially for reasons out of your control. Hartford can help make sure that the mortgage approval process will never be that reason.
Alternative Income
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12-24 Month Bank Statements ONLY for income​
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Asset Utilization: Asset(s)/36 Months = Income
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VOE Only – No W2’s or Pay Stubs
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Profit & Loss prepared by CPA
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Competitive Rate, No Prepay Options
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No tax returns
Clean Slate
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Can Do 12 Months After a Major Credit Event Such as a Foreclosure, BK or Short Sale
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Up to 85% LTV
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Down to 620 FICO
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1-4 Unit Properties – Primary Home & Investment, Non-Warrantable Condos
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First-time Homebuyers Welcome
DSCR
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Up to 80% LTV
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No Minimum Debt Service Requirement
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Qualify Just Using Rental Income
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No Tax Returns or Pay Stubs
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Use Cash-out Reserves (3-6 Months)
Non-Agency
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No DU or LP Approval Needed
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Up to 90% LTV
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No PMI Required
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Gifts Allowed on Investment Properties
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Up to $3.5 Million
Foreign National
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Up to 70% LTV
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2nd Home or Investment
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Up to $2.5 Million
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Non-US Funds Acceptable
