Introducing Non-QM Solutions

Simplified financing for complex borrower needs.

Cardinal Financial Wholesale’s Non-QM product suite empowers you to increase loan volume by offering flexible solutions, streamlined processes, and tailored financing options. Paired with our competitive pricing, dedicated support, and advanced loan tech, a partnership with Cardinal Financial means you’ve got everything you need to grow your business and establish your reputation in any market.

Get to Know the Non-QM Product Suite

Four key products to grow your market share.

Product Name Borrower Profile Product Overview
Non-QM Prime Credit-worthy borrowers in need of flexible documentation
  • Max. loan amount $2,500,000
  • Min. 640 FICO
  • DTI up to 50-55%
  • Flexibility in documentation and credit requirements
Non-QM Prime Plus Borrowers with strong credit in need of higher loan limits and flexible documentation
  • Max. loan amount $3,000,000
  • Min. 680 FICO
  • DTI up to 43%
  • Enhanced loan limits and competitive terms
Non-QM Foreign DSCR
Coming soon		 International investors without a U.S.-based credit history
  • Max. loan amount $1,500,000
  • No FICO score required
  • DSCR up to 75%
  • Simplified process based on property cash flow
Non-QM Investor Solutions DSCR
Coming soon		 U.S.-based real estate investors seeking financing based on property cash flow
  • Max. loan amount $3,000,000
  • Min. 640 FICO
  • DSCR up to 80%
  • Flexible options for investment properties
Product Name Borrower Profile Product Overview

Product Breakdown: Cardinal Financial Non-QM Suite

The Non-QM product suite includes four flexible options tailored to each of your client’s unique needs and financial profiles. Check out our product guide to learn more about the different ways these loans can build your business.

Why Non-QM Loans Should Be In Your Toolkit

Non-Qualified Mortgages present an untapped opportunity to broaden your reach, serve more diverse clients, and grow your business. If Non-QM loans aren’t yet part of your product suite, our blog breaks down the top reasons they should be.

Already a partnered broker?

Start processing your Non-QM solutions in Octane today.

Get Started Now

Need to renew?

If your partnership has expired, no problem. Renewing is easy!

Renew Partnership

Not a partnered broker yet?

Partner with us today for access to the Non-QM product suite.

Become a Partner

“The new Non-QM product suite gives brokers the tools they need to reach more borrowers, simplify the process for unconventional financial profiles, and ultimately close more loans.”

Chris Easterwood, SVP, Wholesale Mortgage Operations