Unlock Flexible Non-QM Mortgage Options with Kind TPO
As a broker, you know that not all borrowers fit into the cookie-cutter mold of traditional financing. Whether you're working with self-employed borrowers or W2 employees, finding the right mortgage solution that fits their unique financial profile is key. Kind TPO is here to help with flexible Non-QM options designed to meet the needs of a wide range of borrowers. From high DTIs to unconventional income documentation, our Non-QM programs provide the flexibility your clients need—without the hassle.
What Makes Kind TPO’s Non-QM Options Stand Out?
The world of Non-QM lending offers more creative solutions for borrowers who may not qualify for traditional, conforming loans. At Kind TPO, we specialize in providing flexible, customizable mortgage options that cater to your borrowers' specific needs. Here’s how we make it easier for you to close more deals:
1. Flexible DTI and Asset Utilization Programs
Many borrowers struggle with high Debt-to-Income ratios, especially those with irregular income streams (like self-employed individuals or contractors). With Kind TPO, you can use assets as income to help borrowers qualify, bypassing the traditional DTI restrictions. This means more flexibility and more opportunities to serve clients who might otherwise be turned away.
2. Mix and Match Documentation Options
Not all borrowers have the traditional W2 or paystub documentation that standard loans require. Non QM allows borrowers to mix and match documents based on their situation:
Full Documentation (W2s, paystubs, tax returns)
Bank Statements (for self-employed borrowers or those with variable income)
1099s (ideal for contractors or freelancers)
This flexibility allows you to tailor the loan application to fit your borrowers' unique circumstances, helping you close deals that might have been previously impossible.
3. No Minimum Asset Balance Required
One of the most exciting aspects of Kind TPO’s Non-QM programs is that there is no minimum asset balance requirement. This means you don’t have to worry about your clients having a certain amount of savings or investment assets. Whether they have significant assets or are just starting to build their wealth, they can still qualify for a loan based on other factors like income, creditworthiness, and more.
4. Perfect for Self-Employed & W2 Borrowers
Self-employed borrowers often face difficulties when applying for traditional mortgages due to irregular income or difficulty providing the required documentation. With Kind TPO, self-employed borrowers have more opportunities to qualify, as we offer alternative ways to prove income, such as bank statements and 1099s.
That said, W2 borrowers with high DTIs or other challenges can also benefit from our flexible solutions. Whether it’s using assets as income or other creative options, you can provide a loan solution that works.
Pricing Made Easy in Kwikie
Pricing Non-QM loans with Kind TPO is simple and fast with Kwikie. This powerful tool allows you to quickly get accurate quotes for your clients, helping you streamline the process and focus on closing deals. You can easily price and access the different Non-QM options available to your clients with just a few clicks—no complicated calculations or back-and-forth delays.
Ready to Explore Non-QM Possibilities?
The next time you have a borrower who doesn’t quite fit the mold for a traditional mortgage, consider offering Kind TPO’s Non-QM options. From high DTIs to unconventional documentation, our programs are designed to work for your borrowers, no matter their situation.
Don’t miss out on the chance to serve a wider range of clients. Explore the possibilities and price with ease in Kwikie today. And if you have questions or want to dive deeper into how our Non-QM options can work for your clients, don’t hesitate to reach out to your Kind AE for personalized guidance.