Non-Qualified Mortgage Programs

HomeXpress Mortgage is an industry-leading lender delivering a variety of solutions for borrowers, ranging from Non-QM loans to Prime loans. Our successful growth is a result of our commitment to delivering these tailored solutions to our broker partners with Speed, Ease, and Convenience. Read more about these programs below and contact us to get the process started here.

Asset Assistance, 3-month Bank Statements, Profit and Loss Only, and Financed Points programs are also available for the solutions below. Ask about our ITIN/ Foreign National options.


Rates as low as 3.125% for qualified borrowers!

Our PrimeX program is appropriate for borrowers who nearly qualified for a traditional home loan. This is one of our most popular Non-QM loans. We offer some of the lowest rates on this program, with loan amounts up to $3,000,000. Requiring a minimum FICO score of 640 and including more flexible forbearance guidelines, your Borrowers can qualify with full documentation or alternative documents such as bank statements. View our PrimeX Rate Sheet for rate information and additional requirements and limitations.

View Rate Sheet


Fico scores down to 600 LTV to 85% for purchase

CoreX is our basic Non-QM loan solution. This program provides Non-QM loans to borrowers who may be facing additional challenges in securing a home loan. A minimum FICO credit score of 600 is required with more flexible forbearance guidelines. Borrowers may qualify for this program with full or alternative documentation. Financed discount points, cash out, and profit and loss only are also available for these preferred Non-QM loans. Read more about program requirements and find current rates on our CoreX Rate Sheet.

View Rate Sheet


Business purpose loans to help build wealth- only 2 ratings required, rates as low as 3.999%!

Our InvestorX program offers Non-QM loans with competitive rates for investors seeking to expand their property portfolio. In today’s Airbnb/VRBO rental environment, this popular program has become wildly successful! With recent updates, our InvestorX/DSCR business purpose program has only two ratings required—a housing history on the subject property, and an investor’s primary residence. This eliminates the headache of gathering documents on potentially dozens of properties. To obtain one of these attractive Non-QM loans, a minimum FICO score of 600 is required. Learn more about this program by viewing our current InvestorX/DSCR rate sheet.

View Rate Sheet

One-Stop Shop

We offer a full suite of products to meet each client’s unique needs.


Affordable rates for non-citizen borrowers and foreign nationals. Whether investing in a new property or buying a home, we have great solutions!

NPRA-ITIN Rate Sheet

Conventional Loan


FHA Loan


Prime Jumbo Loan

Prime Jumbo loans assist borrowers seeking higher borrowing limits than conforming limits, with rates starting as low as 2.375%.

JUMBO Rate Sheet

HomeXpress Lock Desk Hours:

Monday – Friday 10:00 am – 4:00 pm CST

Email: Phone: 8772030890

Become an Approved Broker

Our business is built upon responsible lending. If you have been in the business for at least two years as an licensed broker and would like to provide your customers with Non-Qm or bank statement only loans, apply to become a HomeXpress Mortgage approved broker today.

Apply Today