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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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.

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