Boutique, Non-Agency Products
For Today's Lender

Non-QM, Portfolio, Non-Agency, Non-Conforming—call it what you want—we simplify and support all your lending needs beyond Agency.
Vista Point Mortgage is a unique investor that provides our clients with alternative lending solutions, offering a distinct model that meets the highest standards of credit and service.

COMPANY
OVERVIEW

Vista Point Mortgage equips Originators and Lenders with unique credit solutions to seize opportunities in the Non-Agency mortgage market. Built on a strong foundation of integrity and expertise, we deliver solution-oriented, easy to use products that meet the demands of today’s borrowers. Our approach is highly tailored and customer-centric, and we are focused on the growth and success of our partners, and the Non-Agency mortgage market at large.

THE BENEFIT

Why Vista Point Mortgage?

Think like a Lender. Function like an Aggregator.
Depth of Experience gives Vista Point its knowledge, and
Proven Results gives us our confidence to deliver.

Specialized Expertise

Our focus on one sector of the market means we advance highly original and designed products that specifically address the changing needs of the Non-Agency space. This innovation is framed and validated by our team of trusted industry experts.
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Concierge Service

We offer time-saving flexibility by providing a highly customized service, with solutions tailored to your specific needs.
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Streamlined Execution

Our straightforward product offering cuts through the noise of Non-Agency lending. With our simplified programs and pricing, your company can intuitively take control of the origination and manufacturing process. Additionally, Vista Point’s unique execution model ensures speedy purchases and data integrity. We are the Non-Agency cash window.

OUR LENDING PROGRAMS

Non-Agency Residential Mortgage Loan Programs:

PrimePoint and InvestPoint

The key is to originate into
programs organized with
CASCADING document types.

IDENTIFY
BORROWER
PROFILE

CHOOSE
DOC TYPE
OPTION

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OPTIMAL LOAN PROGRAM

We utilized a holistic approach in the establishment of our non-agency loan platform. The credit parameters and qualification requirements were specifically developed with a broader view of the lending process in mind. In order to better identify more qualified borrowers, faster funding times and higher close ratios are inherent to the structure of our product offering. We simplify the lending landscape so that the borrower’s profile is easily understood and matched to the most suitable program.

CASCADING DOCUMENT TYPES

FULL DOC
OPTION

  • Standard Agency income documentation
  • 1 Year W-2 / Tax Returns
16-01

ALT DOC
OPTION

  • 12 or 24 months Bank Statements
  • 12 or 24 months Bank Statements combined with 2 months Asset Statements
  • 6 months Asset Statements
17-01

DSCR
OPTION

  • Investor DSCR (Debt Service Coverage Ratio)
18-01

LEADERSHIP

Continuing to innovate alternative
mortgage credit solutions.

The Vista Point Mortgage team brings together decades of thought leadership and success from the mortgage industry.