Non-QM Loans

Newfi Wholesale provides non-QM loan programs for a wide variety of credit and income situations, with loan amounts up to $2.5 million.

Denali Non-QM Jumbo

Denali provides unusually high LTVs and a 40 year fixed with I/O period.

  • Borrow up to $2.5 million
  • Max LTVs: 95% owner occupied, 85% non-owner
  • Credit scores as low as 600
  • 40 year fixed with 10 year interest-only period
  • Shorter seasoning requirements

See Guidelines (.pdf)     Read More About Denali


Glacier Flex Non-QM

Designed for owner-occupiers, Glacier provides flexibility for credit events or bank statements.

  • Borrow up to $2.5 million
  • Max LTVs: 90% up to $1.5 million; 85% up to $2.5 million
  • Credit scores as low as 620
  • 36 months seasoning for bankruptcy & foreclosure
  • Bank statement programs

See Guidelines (.pdf)     Read More About Glacier Flex


Glacier Expanded Flex Non-QM

Glacier Expanded Flex provides improved pricing for owner-occupiers in exchange for better credit quality.

  • Borrow up to $2.5 million
  • Max LTVs: 85% up to $1 million; 75% up to $2.5 million
  • Credit scores as low as 680
  • DTI up to 55%
  • 60 months seasoning for bankruptcy & foreclosure
  • Bank statement programs

See Guidelines (.pdf)


Glacier Investment Property Non-QM

For investors, Glacier provides bank statement qualification and “one day” seasoning on credit events.

  • Borrow up to $2.0 million
  • Max LTVs: 80% for purchase/rate & term; 75% for cash out
  • Credit scores as low as 620
  • 12 months of person bank statements OK for self-employed
  • “One-day” season for foreclosure; 24 months for Chapter 7 bankruptcy

See Guidelines (.pdf)     Read More About Glacier Investment


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