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.
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.
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.
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
- Standard Agency income documentation
- 1 Year W-2 / Tax Returns
- 12 or 24 months Bank Statements
- 12 or 24 months Bank Statements combined with 2 months Asset Statements
- 12 or 24 month P&L combined with 2 or 3 months Bank Statements
- 6 months Asset Statements
- P&L only
- VOE only
- Investor DSCR (Debt Service Coverage Ratio)
- Investor DSCR Limited (No Minimum DSCR)
Continuing to innovate alternative
mortgage credit solutions.