Solutions · Non-QM and specialty lending
Where agency rule sets simply do not apply.
Mortgage Intelligence for non-QM and specialty lending: what is materially different about the operating problem, where the platform helps, which applications apply, and what can be evaluated today.
Their operating problem
What is genuinely different about this segment
Bank-statement income, debt-service-coverage loans, asset depletion, foreign nationals, interest-only and other specialty products are underwritten to investor guidelines rather than to the agency selling guides, and the guidelines differ by investor and change often. The documents are less standardized, the calculations are more bespoke, and the consequence of a defect is a loan that cannot be sold to the investor it was priced for.
Where Mortgage Intelligence helps
Which shared capabilities matter most here
- Rule sets bound to the investor's guideline rather than to an agency program, so the checks that run are the ones that apply.
- Calculations as deterministic code: a 24-month bank-statement average, a coverage ratio, an asset-depletion draw, each with the formula and inputs shown.
- Explicit data-required states, because specialty files are where a missing document most often reads as silence.
Relevant applications
Which applications apply, with their actual status
Statuses are set by product, not by marketing. What each status means.
What can be evaluated today
Stated explicitly
Whole-file quality control on non-QM closed loans, on controlled files, with the rule set configured to your investor guideline. Specialty calculation coverage is scoped per engagement; ask which methods are encoded before planning a session.