Boutique, Non-Bank Lending
on Non-Agency Products
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 an alternative lending platform offering a distinct model that meets the highest standards of credit and service.
Vista Point Mortgage equips Originators and Lenders with unique credit solutions to seize opportunities in the Non-Agency mortgage market. We work with permanent capital to acquire and invest in Non-Agency residential mortgage assets to further expand overall liquidity and deliver superior market returns. Built on a solid foundation of integrity and expertise, we deliver solution-oriented, easy to use products that meet the utmost credit quality.
Why Vista Point Mortgage?
Depth of Experience gives Vista Point its knowledge, and
Proven Results gives us our confidence to deliver.
OUR LENDING PROGRAMS
Non-Agency Residential Mortgage Loan Programs:
PrimePoint and InvestPoint
The key is to originate into
programs organized with
CASCADING document types.
BEST 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 best program.
- Standard FNMA income documentation
- 1 Year W-2 / Tax Returns
- 12 or 24 months Bank Statements
- 12 or 24 months Bank Statements combined with 6 months Asset Statements
- 6 months Asset Statements
- 2 months Bank Statements and borrower prepared P&L
- P&L only
- VOE only
- Investor DSCR (Debt Service Coverage Ratio)
- Investor No DSCR
Continuing to innovate alternative
mortgage credit solutions.
The Vista Point Mortgage team brings together decades of thought leadership and success from the mortgage industry.
Get in Touch
Reach out to us to hear more about our product offering and pricing, or to become a Correspondent Seller.