NONI – Non Owner No Income.

A simple, innovative business purpose loan product available exclusively at theLender. NONI is the result of four years and over $5 billion in NonQM submission R&D. We’re here to help you add this incredible business line to your business.

“theNONI: A Year In Review” webinar | December 10th 2019
In this webinar, we review NONI’s wild and highly productive 2019. See stats and results, hear testimonials and success stories, and learn about what NONI has planned for 2020. Check out the whole webinar below.

Download the PDF version HERE

“NONI goes On Tour” webinar | September 19th 2019
NONI is hitting the road and funding loans throughout the country. Learn about some of the deals submitted, how fast they are closing, and most importantly how you can get involved! Check out the whole webinar below.

Download the PDF version HERE

“NONI Gone Wild” webinar | August 15th 2019
NONI is having a wild summer and wants to share what she’s learned and find out what changes are on the horizon. Check out the whole webinar below.

Download the PDF version HERE

“Coffee with NONI” webinar | July 18th 2019
In this webinar hear how our brokers are making big commissions (some with 15-day closings). Check out the whole webinar below.

Download the PDF version HERE

“How to Find A NONI” webinar | June 20th 2019
In this webinar we discuss how to identify a NONI, define what type of borrowers NONI likes, and reveal how you can become a Super NONI broker Check out the whole webinar below.

Download the PDF version HERE

“Getting to Know NONI” webinar | June 4th 2019
Did you miss the webinar but still want to learn more about NONI and what makes it the best business purpose loan out there? Check out the whole webinar below.

Download the PDF version HERE

“Teach Me How to NONI” webinar | May 14th 2019
Want to learn how to dominate the non-owner marketplace? Watch the video below to learn every step. There is a ton of info on how to approach these loans, why so many deals fall apart and what makes NONI so special.

Download the PDF version HERE

Program Highlights

  • No Pricing Adjustments for cash-out, units, IO, or condo
  • Qualify your DSCR off of the Note rate! If Interest Only, ITIA is used!
  • No Income/No Reserves/No Employment on 1003
  • Gift Funds Allowed
  • 3 Credit Tiers 680+ / 640-679 / & 620-639
  • $3,500,000 Max Loan Amount
  • $2,000,000 Max Cash Out
  • 80% Max LTV
  • 620 Minimum Credit Score
  • Qualification DSCR ≥ 1.0
  • Financed Properties No Limit on Number of Financed Properties
  • 3 Year Seasoning Foreclosure, Short Sale, Loan Modification, Deed in Lieu & Bankruptcy
  • Terms: Fixed, ARM & Interest Only Options
  • Soft Prepay Available

    • Brokers
    Download theNONI introduction flyer HERE
    Download theNONI highlights flyer HERE

    Borrowers
    Download theNONI introduction flyer HERE
    Download theNONI highlights flyer HERE

NONI Toolbox

Need to Register a Foreign Corporation?

If you have more questions or need more information, please shoot us an email at TeachMeToNONI@theLender.com