Caeli covers what you need to know about when the Fannie Mae and Freddie Mac guidelines no longer help you close on your mortgage loan. We covered some of the following loan programs listed below - most are now included in the term of "Non-QM" or non-qualified mortgage (remember that a qualified mortgage is a technical term created by the Dodd-Frank legislation in 2010), AKA non-Fannie Mae / Freddie Mac

• Bank Statements
• Asset Depletion
• DSCR (Debt Service Coverage Ratio loan)
• Interest Only
• Mortgage History 1x30x12
• 1099s
• Bank Statements Only
• Alt-Doc
• Foreign National
• Closing in LLC
• Bridge loans
• Commercial
• In-house with questionnaire
• Mixed-Use

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com or send a text to 503-836-8582

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