Your Non-QM Partner.
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We Provide Solutions
Lending built around real scenarios.
NewPoint Mortgage offers a tailored solution for almost any Non-QM lending scenario. Talk to us. Use our Quick Pricer. We will help you find a program that makes sense for you and your borrower.
90% Bank Statements Lending
90% Purchase Money
85% ITIN
85% DSCR Investment Property
Financing for Investors to Buy & Sell
Interest Only Jumbo Products
Foreign National
620 FICO and Above
No Income Verification – Investment
We Provide Solutions
A program for every scenario.
P&L Only
Our P&L Only Loan Program enables home ownership utilizing a Profit and Loss statement from a licensed Tax Preparer or CPA.
Bank Statement
Bank Statement mortgage program is the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business.
DSCR
DSCR mortgage program allows your clients to qualify based on rental analysis to determine property cash flow.
Foreign National
Same day approvals and closing within 10 business days of appraisal order.
ITIN
Our ITIN income loan option is for self-employed borrowers who are 1099 earners not able to qualify for a full doc mortgage loan.
Stand Alone 2nd Lien
A closed-end second mortgage offers homeowners the opportunity to leverage their real estate equity while maintaining their low interest rate.
5-9 Unit Multi-Family
Simplify financing with our DSCR program offering 30-year Fixed and 5/6 ARM options—no personal income required, qualifying based on rental property cash flow. Foreign Nationals are eligible for this program as well.
2-8 Unit Mixed
Secure easy purchase or refinance options for mixed-use buildings with rental analysis-based qualification and no need for income documentation.
DSCR Stand Alone 2nd Lien
A closed-end DSCR second mortgage lets investors access up to 80% of their property’s equity as a lump sum—while keeping their existing low interest rate. Approval is based on credit score, property value, and DSCR.
How it works
From scenario to closing — in days, not weeks.
01
Price the Loan
Use our Quick Pricer to size up the deal in seconds.
02
Submit the Scenario
Send us the file through the Broker Portal — we respond same-day.
03
Close Fast
Closings within 10 business days of appraisal order.
Have a scenario? Let's structure it.
Talk to a NewPoint specialist and get a same-day answer on your Non-QM deal.
Where We Are Licensed
Lending across 16 states and growing.
Arizona
Mortgage Banker License
#BK-1036259
California
Financing Law License
#60DBO-165873
Colorado
Mortgage Company
Registration
Delaware
Lender Licence
#041244
District of Columbia
Mortgage Lender License #MLB2249250
Florida
Mortgage Lender License
#MLD2150
Georgia
Mortgage Lender License
#2249250
Illinois
Residential Mortgage License
#MB-6761733
Maryland
Mortgage Lender License
#2249250
Nevada
Mortgage Company License
#5599
New Jersey
Residential Mortgage Lender
License
Pennsylvania
Mortgage Lender License
#100209
Tennessee
Mortgage Lender License
#2249250
Virginia
Mortgage Lender License
#MC-7544
North Carolina
Mortgage Lender License
#L-232990
Texas
Mortgage Company License
“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
Let's price your next deal.
Our team is ready to walk through your scenario and find the right Non-QM program.
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NewPoint Mortgage LLC NMLS #2249250
NMLS Consumer Access Website: www.nmlsconsumeraccess.org