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    Guidelines

Non-QM Product Gallery

We understand that not every borrower fits in a conventional loan program. Whether you have an established investor or a client who can qualify based on assets or bank statements, our programs can help optain the perfect loan.

For Self-Employed Borrowers

  • Qualify with 12 months bank statements
  • No tax returns
  • Loan amounts up to $3.0MM
  • Cash out up to $2.5MM
  • Up to 90% LTV
  • Short-term rental properties allowed
  • 40YR Interest Only
View Guidelines | Learn More

For Professional Real Estate Investors

  • Qualify with subject property cash flow
  • No tax returns | No DTI calculated
  • Loan amounts up to $2.5MM
  • Cash out up to $2MM
  • Up to 80% LTV
  • Short-term rental properties allowed
View Guidelines | Learn More

For Borrowers with High Cash Liquidity

  • Qualify based on verified liquid assets
  • No employment | No income | No DTI
  • Loan amounts up to $3MM
  • Cash out up to $2.5MM
  • Up to 90% LTV
  • Short-term rental properties allowed
View Guidelines | Learn More

For Borrowers Falling Just Outside Agency Guidelines

  • Jumbo alternative with I/O options
  • 1 year income verification option available
  • Shorter waiting periods for derogatory credit events (e.g. BK and foreclosure)
  • Loan amounts up to $3MM
  • Cash out up to $2.5MM
  • Up to 90% LTV
  • Short-term rental properties allowed
  • 40YR Interest Only
  • 1YR Full Doc
View Guidelines | Learn More

Conventional/Govie Product Gallery

FHA
  • Purchase & rate/term refis with 580 minimum credit score
  • Maximum debt-to-income ratio determined by AUS
  • Escrow holdbacks on HUD REOs (limited/buyer-funded)
  • Borrower with 1 credit score eligible
View Guidelines | Learn More
VA
  • Loan amounts to $1.5MM
  • Purchase, Cash-out, & IRRRL
  • VA IRRRLs up to 115% LTV (use AVM or appraisal)
  • VA "Cash-out" refi up to 100% LTV per VA guidelines
View Guidelines | Learn More
Conventional
  • Fannie Mae High Balance & Freddie Mac Super-Conforming available up to $726,525
  • Up to 95% LTV with minimum 620 FICO Score
  • Lender-Paid Mortgage Insurance (LPMI) up to 97% LTV
View Guidelines | Learn More
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Contact Us

  • Impac Mortgage Corp.
    19500 Jamboree Road
    Irvine, CA 92612
  • (888) 850-0259
  • info@impacmortgage.com

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Copyright 2019 Impac Mortgage Corp. All rights reserved. NMLS #128231. www.nmlsconsumeraccess.org. Rates, fees and programs are subject to change without notice. Other restrictions may apply. Information is intended solely for mortgage bankers, mortgage brokers, financial institutions and correspondent lenders. Not intended for distribution to consumers, as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. Licensed by the Department of Business Oversight, under the California Residential Mortgage Lending Act (License #4131083). In the state of New York, Impac Mortgage Corp. dba Excel Mortgage. Equal Housing Lender.