Non-QM Graduated Payment Mortgage

High rates got your Non-QM clients down? Use a Graduated Payment Mortgage to save your borrowers thousands on their initial mortgage payments!

Pinnacles Graduated Payment Mortgage (GPM)

Get the lowest first year payment and the security of a 30-Year Fixed Rate on your Non-QM loans.

  • Lower Initial Payments, Increasing 5% Each Year
  • 30-Year Fixed
  • Qualify Using 25-Year Amortization
  • Full Doc, 1 or 2 Year Bank Statements or 1099, Asset Depletion, CPA Gross Receipts
  • Up to 75% LTV
  • Credit Scores As Low as 660
  • Primary Residences Only
  • Loan Amounts Up To $3M (Jumbo Loan Amounts Only in CA)
  • Available in Arizona, California, Colorado, Florida, Georgia, Hawaii, Illinois, Maryland, Michigan, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas & Utah

See Guidelines for Pinnacles GPM (PDF)

Pinnacles Graduated Payment Mortgage Calculator

Run your scenario today and see the payment schedule!

Step-Up Mortgage

Fixed-Rate Mortgage


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Estimated Payments

 
Step-Up Mortgage
Fixed Rate Mortgage
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Year 4: {{this.amortization.graduated.monthly[37].monthlyPayment | currency}}
Year 5: {{this.amortization.graduated.monthly[49].monthlyPayment | currency}}
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Total Payments
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Pay Off Date
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Estimated Amortization Schedules

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LEGAL DISCLAIMER: This calculator is provided for informational purposes only and you should not make any decisions solely on the information provided. Values are estimates and may not be applicable to your individual situation. Nexera Holding LLC dba Newfi is not responsible for any errors, omissions or misrepresentations. This does not constitute a loan approval for any program.

What is a Graduated Payment Mortgage?

A Graduated Payment Mortgage is a type of fixed-rate mortgage where payments start at a lower base level and then increase annually at a set rate until the beginning of the 6th year, when payments level out based on the remaining principal balance.

Who Benefits From A Graduated Payment Mortgage?

The Graduated Payment Mortgage solution is perfect for any borrower who wants to save money on their monthly mortgage payments for the first few years. It allows these borrowers to access lower initial payments to help relieve mortgage payment stress on families.

Pinnacles Graduated Payment Mortgage Webinar Series Recordings

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