01
Community Mortgage
Expanded access lending for underserved communities and first-time buyers.
View guidelinesCLOSE MORE LOANS.
KNOW THE DIFFERENCE.
Sound Mortgage is a dedicated Non-QM lender. We build our own portfolio of products and guidelines that eliminate complex underwriting rules and burdensome paperwork — so you can serve more borrowers, faster.
Loan Programs
Short-term & long-term financing
for real estate investments.
Whether you fix & flip, hold for rental income, or build ground-up — tap a program to see full criteria, leverage, and rates.
Fix & Flip
Short-term financing for the purchase & rehab of non-owner occupied properties.
View detailsLong-Term Rental
Long-term financing for investors who are holding properties for rental income.
View detailsMultifamily
Short-term & long-term financing for 5+ unit apartments.
View detailsNew Construction
Short-term financing for ground-up construction projects.
View detailsThe Difference
Common-sense underwriting.
Leading-edge technology.
We create our own portfolio of products and guidelines that eliminate complex underwriting rules and burdensome paperwork that make underwriters feel good but just aren't necessary.
Our approach increases the number of loans you can close and the borrowers you can serve — from self-employed entrepreneurs to investors, foreign nationals and high-net-worth clients.
Non-QM
Specialist
50
States
24/7
Broker Portal
Portfolio Products
Built for real borrowers.
Six dedicated Non-QM programs — each with clear, common-sense guidelines and dedicated support.
02
Alt-Doc
Bank statement, P&L, and 1099 documentation paths for self-employed borrowers.
View guidelines03
Investor
DSCR and cash-flow underwriting for residential investment property.
View guidelines04
Foreign National
Financing solutions for non-resident borrowers purchasing US property.
View guidelines05
Liquid 360
Asset-utilization program for high-net-worth borrowers with significant liquidity.
View guidelines06
Closed End 2nd
Fixed-rate second-lien financing that preserves a low first-mortgage rate.
View guidelinesAgency Products
Conventional, by the book.
Reference the latest GSE seller guides directly from the source for our Agency offerings.
Ready to close more loans?
Talk to a Sound Mortgage Non-QM account expert about your next scenario.
Contact
Broker Support
Reach out directly for scenario questions, guideline clarifications, or to get set up as an approved broker.
IMPACT, MTG., LLC