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Top 10 Best Non-Conforming Mortgages

Non-conforming mortgages represent an alternative financing option outside traditional loan criteria.

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These loans are tailored for borrowers with unique circumstances, such as irregular income sources or non-standard credit histories. Unlike conforming loans, which adhere to strict guidelines set by government-sponsored enterprises, non-conforming mortgages offer flexibility in terms and requirements. Borrowers may access larger loan amounts or secure financing despite lower credit scores. However, these loans often come with higher interest rates and may require larger down payments. For individuals unable to qualify for conventional mortgages, non-conforming options provide a viable path to home ownership or refinancing opportunities.

  • Chase Bank
    Chase Bank

    Chase Bank - Leading bank providing various financial services and products.

    Annual fee: $95

    See It
  • Caliber Home Loans
    Caliber Home Loans

    Caliber Home Loans - Caliber Home Loans: Your Home Financing Partner.

    See It
  • flagstar
    flagstar

    flagstar - Flagstar.com is a banking and mortgage provider.

    See It

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  • Bank of America
    Bank of America

    Bank of America - Major U.S. bank offering financial services and products.

    Annual fee: zero

    See It
  • U.S. Bank
    U.S. Bank

    U.S. Bank - Diverse banking services and financial solutions for customers.

    Annual fee: zero

    See It
  • HomeBridge Financial Services
    HomeBridge Financial Services

    HomeBridge Financial Services - Homebridge is a mortgage lender.

    See It
  • newamericanfunding
    newamericanfunding

    newamericanfunding - Mortgage lender for homebuyers and refinancers.

    Mortgage Loans

    Refinancing

    See It
  • loandepot
    loandepot

    loandepot - LoanDepot: America's lender for home loans.

    See It
  • PrimeLending
    PrimeLending

    PrimeLending - PrimeLending.com offers home loan solutions.

    See It
  • quickenloans
    quickenloans

    quickenloans - Online mortgage lender for home loans.

    Mortgage Refinancing

    Online Application

    See It

Top 10 Sites for the Non-Conforming Mortgages

1.

Chase Bank

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Chase.com is a financial services website owned by JPMorgan Chase & Co. It provides a range of banking, investing, and other financial services to customers. Customers can open checking and savings accounts, apply for credit cards, and manage their investments. They can also use the website to pay bills, transfer money, and access their accounts from anywhere. Chase.com also offers a variety of tools and resources to help customers make informed financial decisions. Customers can use the website to research products, compare rates, and find the best financial solutions for their needs.

Pros

  • pros Travel Benefits: The card offers a variety of travel perks, including free checked bags, priority boarding, and two United Club passes per year, enhancing your travel experience with United Airlines.
  • pros Generous Rewards Program: Cardholders can earn miles on all purchases, with accelerated earning on United Airlines purchases, providing opportunities to accumulate rewards faster.
  • pros Additional Travel Protections: The card provides travel insurance coverage, such as trip cancellation/interruption insurance and auto rental collision damage waiver, offering peace of mind during your travels.

Cons

  • consLimited Redemption Options: The card's rewards are primarily focused on United Airlines, so if you prefer more flexibility in redeeming rewards for various airlines or travel expenses, the card may not be as beneficial.
  • consAnnual Fee: The card comes with an annual fee, which may deter some users, especially if they don't frequently fly with United Airlines or utilize the card's benefits to their full extent.

2.

Caliber Home Loans

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Caliber Home Loans is a private, national mortgage lender that helps individuals take the first step towards buying or refinancing their dream home with the help of their loan consultants. Their vision is to put their clients on a successful path to homeownership by providing user-friendly technology and professional guidance. Caliber Home Loans offers a variety of financing options, including conventional loans, refinancing plans, adjustable-rate mortgages, and government lending programs. They also have a specially trained lending team to assist the military community and emphasize personalized service for VA loans. Caliber Home Loans has a national network of loan consultants available by phone, email, or text, and they are licensed in all 50 states.

3.

flagstar

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Flagstar.com is a website for Flagstar Bank, which offers a range of banking and lending solutions across the Midwest. The bank provides personal, business, and commercial banking services, including mortgage loans and online servicing. Customers can access support for their banking needs through the website or by calling the bank's customer service line. Flagstar Bank is committed to protecting the privacy of its customers and uses their personal information in accordance with its privacy statement. With a focus on customer satisfaction, Flagstar Bank aims to provide quality banking services to meet the needs of individuals and businesses alike.

4.

Bank of America

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The Bank of America® Premium Rewards® Credit Card is a credit card that offers a variety of rewards and benefits to its users. With unlimited points, up to $200 in travel statement credits, and a 50,000 bonus points offer, this card is designed to provide users with flexibility and value. Cardholders can choose how they want to be rewarded, whether it's through travel, cash back, a statement credit, distinctive experiences, or gift cards. The card also offers flexible redemption options, making it easy for users to get the most out of their rewards. If you qualify for Bank of America Preferred Rewards, the Bank of America® Premium Rewards® credit card has the potential to be quite a lucrative card to use on everyday spending.

Pros

  • pros Flexible rewards program: The Bank of America® Travel Rewards credit card offers a flexible rewards program, allowing you to earn points on all purchases, including hotel bookings, with no blackout dates.
  • pros Zero annual fee: It has no annual fee and provides an introductory 0% APR period, making it suitable for budget-conscious travelers.
  • pros Additional perks: The card offers additional perks like no foreign transaction fees and the ability to boost your rewards as a Bank of America Preferred Rewards member.

Cons

  • consFewer premium travel benefits: The card may have fewer premium travel benefits compared to other travel-focused cards, such as airport lounge access or travel statement credits.
  • consLimited redemption: While the rewards program is valuable, there may be limitations or restrictions on redeeming your points for hotel bookings.

5.

U.S. Bank

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The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium rewards card that offers a variety of benefits and rewards. Cardholders can earn 3X points on eligible travel and mobile wallet purchases, and receive up to $325 in annual travel credits. Cardholders also receive a complimentary Priority Pass™ Select membership, which provides access to over 1,200 airport lounges worldwide. Other benefits include a 12-month subscription to a streaming service, up to $100 in statement credits for Global Entry or TSA Pre✓® application fees, and no foreign transaction fees. With the U.S. Bank Altitude® Reserve Visa Infinite® Card, you can enjoy a world of rewards and benefits.

Pros

  • pros Zero annual fee and decent dining rewards: The U.S. Bank Altitude® Go Visa Signature® Card has no annual fee and focuses on dining rewards, including hotel dining expenses.
  • pros Various perks: It offers valuable perks like cell phone protection, enhancing your overall travel experience.

Cons

  • consLimited kinds of travel benefits: The travel benefits of the card may not be as extensive as other travel-specific cards, potentially limiting your access to travel perks like airport lounge access.
  • consUnattractive redemption policies: The value of the rewards when redeeming for hotel bookings may not be as high compared to other cards.

6.

HomeBridge Financial Services

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Homebridge Financial Services, Inc. is a privately held, non-bank mortgage lending firm in the United States. The company was founded in 1989 and is headquartered in Iselin, New Jersey. Homebridge's vision is to make the dream of homeownership a reality for every customer, every day. They provide access to homebuyer education and information to remove some of the barriers to homeownership. Homebridge offers a range of mortgage products and services, including conventional, FHA, VA, and jumbo loans. They also provide loan servicing and have a mission to be the most highly recommended mortgage company. Homebridge has been in business for over 30 years and has helped many people achieve their dream of homeownership.

7.

newamericanfunding

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New American Funding is a full-service mortgage banker that provides a wide range of home loan options to customers across the United States. The company offers a variety of loan products, including conventional, FHA, VA, USDA, jumbo, and reverse mortgages. New American Funding also provides home loan refinancing services, as well as home equity loans and lines of credit. The company's experienced loan officers are dedicated to helping customers find the best loan product to meet their needs. New American Funding is committed to providing excellent customer service and competitive rates.

Pros

  • pros Low Rates
  • pros Fast Service
  • pros Trustworthy

Cons

  • consHigh interest rates
  • consLimited services
  • consNo reviews

8.

loandepot

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LoanDepot.com is an online lending platform that provides a variety of loan products to consumers and businesses. The company offers mortgages, home equity loans, personal loans, and business loans. LoanDepot.com also provides a range of services, such as loan origination, underwriting, and closing. The company's goal is to provide customers with a fast, easy, and secure loan process. LoanDepot.com is committed to providing competitive rates and excellent customer service. The company also offers a variety of tools and resources to help customers make informed decisions about their loan options.

9.

PrimeLending

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PrimeLending is a mortgage lender that offers home loans, refinancing, and renovation services. Their website provides an online application process that captures all the information needed to qualify, make a loan recommendation, and deliver an estimate. PrimeLending is committed to providing a simple, streamlined, and speedy experience for their customers through their best-in-class digital tools. They have an expert workforce, perfected their business model, and built robust technology to originate mortgages throughout all 50 states. PrimeLending is dedicated to helping their customers achieve their homeownership goals and providing reasonable assurance that all major credit risks have been identified.

10.

quickenloans

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QuickenLoans.com is an online mortgage lender that provides a variety of services to help customers find the best mortgage for their needs. The company offers a variety of loan products, including conventional, FHA, VA, and jumbo loans, as well as refinancing options. QuickenLoans.com also provides tools and resources to help customers understand the mortgage process and make informed decisions. Customers can apply for a loan online, and the company's team of experts is available to answer questions and provide guidance throughout the process. QuickenLoans.com is committed to providing a fast, easy, and transparent mortgage experience.

Pros

  • pros Fast and Easy
  • pros Secure and Reliable
  • pros Low Rates/Fees

Cons

  • consHigh Interest Rates
  • consLimited Services
  • consNo Refinancing

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