Non QM Loans

Non QM Loans

B/C Loans:

Once called Sub-Prime or B/C Loans, these loans do not meet the credit requirements of Fannie Mae and Freddie Mac. They are not "Qualified" mortgages.  Loan applicants typically have a bad credit history, have filed for bankruptcy, or have had a property in foreclosure.  They may also not be able to verify income in a standard manner and need to use bank statements or other documentation and even no documentation loan types.

Non QM Loans are often issued as temporary loans until the applicant can restore credit and qualify for conforming "A" loans. Interest rates on B/C Loans are generally higher (up to 12%) than for conforming "A" loans. Down Payments as low as 25%.
​We have loans for families 1 day out of bankruptcy / Foreclosure/Short Sale.  We have other programs for folks close to but not yet past there seasoning requirement.

Although I specialize in Flagler County,  I am happy to assist the entire state of Florida! Contact me at 386-866-1112 for your quote!

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Steve Verrier
NMLS #228111

ANE Lending LLC.
NMLS #1999497

NMLS Consumer Access


Contact Us at ANE Lending - NMLS #1999497
13475 Atlantic Blvd
Suite 8
Jacksonville , FL 32225

(904) 514-8884

2019 All Rights Reserved. ANE Lending LLC. NMLS 1999497. Equal Housing Opportunity Mortgage Broker. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products and queries are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions may apply. To view our NMLS Filings, CLICK HERE