Solutions designed with
America’s Borrower in mind

Help turn home dreams into dream homes for today’s nontraditional borrowers

Whether your clients are gig workers, small business owners, or fall into other income scenarios, Finance of America Mortgage TPO’s Two-X Flex Suite offers a variety of non-QM solutions so you can meet your borrowers where they are today.

Meet America’s Borrowers

Chloe Chloe green text

Chloe

Earnings scenario:

9-5 employee, gig worker on the weekends

Real estate interests:

Aspiring homeowner

Unlock a suite of non-QM solutions specifically designed for your nontraditional borrowers. These proprietary loan offerings give borrowers even more purchasing or refinancing power, allowing them to qualify based on factors outside of narrow lending requirements.

Flyer Matrix
Maria Maria green text

Maria

Earnings scenario:

Social media influencer

Real estate interests:

Hopeful first-time homebuyer

Ideal for self-employed borrowers, Two-X Flex Bank allows individuals to qualify outside of standard requirements by simply providing bank statement deposits — no 4506 or tax returns are needed.

Flyer Matrix
Jonah Jonah green text

Jonah

Earnings scenario:

Freelance photojournalist

Real estate interests:

Looking to own
instead of rent

For borrowers who are freelancers or work side jobs, Two-X Flex 1099 is an optimal lending solution. With Two-X Flex 1099, your clients may qualify using a single source or multiple sources of 1099 income.

Flyer Matrix
Sanjay Sanjay green text

Sanjay

Earnings scenario:

Restaurant owner

Real estate interests:

Considering homeownership after recovering from pandemic hardships

Designed for borrowers who may have recently recovered from financial hardship, this product allows individuals to qualify with as little as 12 months of self-employment income from profit and loss (P&L) statements.

Flyer Matrix
Lisa Lisa green text

Lisa

Earnings scenario:

Salaried worker, carrying medical debt

Real estate interests:

Hopes to someday own a home again after going through a foreclosure

Tough times can happen to anyone. The Two-X Flex Expanded loan program extends borrowing opportunities to those with a history of bankruptcy or foreclosure, helping them regain hope of becoming a homeowner again.

Flyer Matrix
Carlos Carlos green text

Carlos

Earnings scenario:

Accountant by day, real estate investor on the side

Real estate interests:

Homeowner looking to upgrade to a bigger property

Designed for borrowers holding assets, the Two X-Flex with Asset mortgage option allows individuals to qualify with assets that stack on top of their regular income.

Flyer Matrix
Dennis green text Dennis

Dennis

Earnings scenario:

Retired with a pension

Real estate interests:

Looking to downsize and buy a condo

Ideal for retirees, the Two-X Flex Asset allows your borrowers to qualify solely on their existing assets with no employment needed. This can also be combined with the Two-X Flex Product.

Flyer Matrix
Robby Robby green text

Robby

Earnings scenario:

Property investor

Real estate interests:

Looking for an interest-only loan to minimize costs

Designed for borrowers with investment properties, this option is available on all Two-X Flex Suite programs, offering interest-only lending solutions to clients simply looking to cover cash flow.

Keisha Keisha green text

Keisha

Earnings scenario:

Salaried worker, recently promoted

Real estate interests:

Finally ready to buy her dream home

For borrowers who may have recently received a promotion, this option allows them to qualify for a mortgage based on as little as one year of income documentation, rather than the average of two.

Flyer Matrix

Helping you help more borrowers

With your own business to run, we know it’s hard to keep up with the details of every mortgage product. That’s why Finance of America Mortgage offers a TPO Concierge service to walk you through the loan process. From checking borrower eligibility, to checking off every document you need, to uploading the final file, we’ll help you cover every step.

1-877-FAM-TPO1

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