Vicki High - Realtor

Know the truth!

Worried that you may not fit in a “normal” mortgage? Call me at 972-806-2012 to chat. I can connect you with a great lender who can hand-hold you all the way through!

📌 Non-QM = Non-Qualified Mortgage
These are loans that fall outside the traditional Fannie Mae, Freddie Mac, FHA, VA, or USDA guidelines.
But don’t worry—it doesn’t mean you can’t qualify. It just means we show your Ability to Repay (ATR) in a different way.

📈 What You Need to Know:
• Private money = slightly higher risk = higher interest rates
• Typically requires a larger down payment
• Great for those with unique income situations

🔍 Common Types of Non-QM Loans:
✅ 1099 Programs – For contractors whose tax returns don’t tell the full story
✅ Bank Statement Loans – For self-employed borrowers whose deposits show more than their tax forms
✅ DSCR Loans (Debt Service Coverage Ratio) – For real estate investors, where rental income covers the new mortgage
✅ Asset Utilization – Use your assets to qualify instead of income docs
✅ Foreign National Loans – For non-U.S. citizens investing in U.S. real estate
✅ Interest-Only Options – Lower monthly payments, interest-only for a set period

🏡 Why Choose Fairway for Non-QM?
We’re a Delegated Underwriter for most Non-QM products, which means:
✔️ In-house underwriting
✔️ Faster closings
✔️ More investor options
✔️ The same top-tier Fairway service you know and trust

📬 Curious if a Non-QM loan might work for you or your client?
Let’s chat—DM me today!

Home Sanctuary: A place where you can truly relax and be at ease, a calm, peaceful, and clutter-free space. Let's find your new Home Sanctuary today! Dr. Vicki High, Realtor, (972) 806-2012

Don't try to navigate the homebuying process alone. Contact me today! Dr. Vicki High - Realtor to Educators (972) 806-2012

As you embark on the journey of purchasing a home, carefully consider the amenities offered by different properties. A well-chosen set of amenities can not only enhance your daily life but also contribute to the value and resale potential of your new home. Vicki High, Realtor to Educators, NB Elite Ralty (972) 806-2012

Beazer Homes. Prairie Ridge offers new single-family homes in Midlothian ISD. Enjoy quiet living within Prairie Ridge city limits and a short commute to Dallas/Ft. Worth and DFW Airport are less than 30 miles away.
Dr. Vicki High, Realtor to Educators, NB Elite Realty