Non-QM Loans - Toto Mortgage Inc.

Non-QM Loan Options

Explore our flexible Non-QM loan programs designed to meet unique financial needs and make homeownership possible.

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Purchase or Refinance

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

P&L Only Loan

Get the finance you need with a YTD Profit and Loss Statement

CPA Expense Letter

Simplify and expedite the loan process. Qualify by providing a CPA Expense Letter from your business.

ITIN Loan

Secure financing with your tax identification number

Foreign National Loan

Get the financial support you need with no credit score requirements.

HELOC Bank Statement Loan

An alternative solution that offers expedited processing and limited documentation.

Super Jumbo Loan

Unlock your full potential and purchase or refinance with loans up to $5M.

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Rehab Loan

Roll the costs of the renovation into your loan.

USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Investment Property

Mortgage loan programs for vacation and investment properties.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

Bridge Home Loan

Secure the transition between selling your current home and buying a new one.

Construction Home Loan

Build your dream home from the ground up with tailored financing.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

HELOC Home Loan

Unlock the value in your home with flexible home equity lines of credit.

Reverse Mortgage

Convert a portion of your home equity into cash to secure your retirement.

Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller.

Get started today!

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Step 1 of 20

What are your goals?
We are committed to helping you reach them.
Purchase or Refinance
- I want to purchase
- I want to refinance

Where is the home located? City or Zip Code
City or Zip Code*

What type of home is it?
- Single Family
- Townhouse
- Condominium
- Multi-Family

Where are you in the home buying process?
- Signed a purchase contract
- Found a home
- Looking to buy within one month
- Looking to buy in 1 to 3 months
- Looking to buy in more than 3 months

How do you plan to use your new home?
- Primary Residence
- Vacation Property
- Investment Property

Have you or your spouse served in the US military?
Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.
- Yes
- No

What is your (or your spouse's) branch of military service?
- Army
- Marine Corps
- Navy
- Air Force
- Coast Guard
- National Guard
- Military Spouse
- Other VA Eligibility
- No Military Experience

Are you actively working with a real estate agent?
- Yes
- No

Is this your first time purchasing a home?
- Yes
- No

What is the approximate purchase price of the new property?
(it's OK to estimate)
What is the estimated value of your property?
Use the slider to select the price range of homes you're interested in (it's OK to estimate)

How much do you have for a down payment?
(it's OK to estimate)
What is the balance of your first mortgage?
(It's OK to estimate)

What is the interest rate of your first mortgage?
(It's OK to estimate)

Do you have a second mortgage?
- Yes
- No

How much additional cash do you wish to borrow?
(It's OK to estimate or if no cash-out leave at $0)

What is your current employment status?
- Employed
- Self-Employed/1099 Independent Contractor
- Retired

What is your household gross (before taxes) annual income?
- Less than $30,000
- $30,000 - $50,000
- $50,000 - $75,000
- $75,000 - $100,000
- Greater than $100,000

What is your credit score?
- Excellent 740+
- Good 700-739
- Average 660-699
- Fair 600-659
- Poor < 600

Have you had a bankruptcy or foreclosure in the past 3 years?
- Yes
- No

What is your first name?*
What is your last name?*

What is your email address?*
What is your phone number?*
Consent*
I agree to the Communications Policy.*
We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices. By submitting your phone number you are agreeing to opt-in to sms messaging. Message and data rates may apply.