The Rayner Home Group

💥What is a Non QM loan? A non-qualified mortgage loan is a residential mortgage loan that does not adhere to the strict regulation and oversight that "normal" loans (Conventional, FHA, VA, or USDA, for example) do. They provide a greater degree of flexibility for borrowers who can qualify in real life, but maybe have circumstances that prevent them from meeting QM (qualified mortgage) rules and regulation.

💥These types of loans are often utilized by self-employed borrowers who can't show income, borrowers with unique sources of income that aren't acceptable under traditional financing, or even borrowers that have no income but can access cash for a 20% down payment.

💥We have a DEEP suite of Non-QM products, ranging from no income/no employment loans to ITIN to bank statement and DSCR loans. Take a look at some of our active Non-QM contracts in process ‼️

Another Veteran home owner in the books ✅ We helped this family secure $0 down, $0 taxes, $0 PMI and 0 stress process, getting our CTC a full 10 days before the close date 😎 Congrats on the closing and enjoy your home!

Text 713-380-7400 to get started today 📞

❌ No Income
❌ No Employment
✅ No Problem 😎

We were able to help this family secure this AMAZING $1,800,000 home with one of our many Non QM mortgage products which do not require any income or employment to qualify‼️ As long as you have a 680 score and 20% down, you are good. to. go. Congrats!

Closed and Funded 🔥Congrats to our man Ryan Musgrove on another quick closing, this time with a condo overlooking Lake Conroe 😍 These investors locked in a rate under 7% and a total monthly payment of only $1,753!

Closed and Funded 💥We were able to utilize a VA home loan to get this family $0 down, a total monthly payment under $2,200, and only $790 needed to close‼️

Text 713-380-7400 to get your pre-approval started 📞

Just common sense 😎 Calling all my self-employed people📞

Call or text (713) 380-7400 to find out how this product may be a good fit for you!

Manufactured Home on land ✅Congrats to this family on the closing of their new home! We were able to get this families total monthly payment within their comfort zone of $1,850/month while giving them some much needed space 😃

Call or text 713-380-7400 to find out how a manufactured home might be the right fit for you!

We were able to help this self-employed borrower use a bank statement loan with only 10% down! Like many self-employed people, he wrote off a lot of "expenses"...and couldn't qualify for a traditional mortgage. So we came to the table with a solution 😎

Call or text 713-380-7400 to find out which alternative loan programs may be available to help YOU get into a home ‼️

Sub 600 FICO and a 5.99% rate? Yep! We have incredible options for all different kinds of buyer profiles 😎

Call or text 713-380-7400 to find out how much you can save on your mortgage!

‼️Congrats to this family! We were able to help secure a 5.750% rate with a total monthly monthly payment under $2,900 ‼️🔥

Call or text 713-380-7400 to find out how much you can save on your pre-approval!

Congrats to this Veteran and his family! We were able to assist them get into a beautiful new construction home with $0 down, no monthly PMI, and a TOTAL monthly payment of only $1,332 🔥

Call or text 713-380-7400 to find out how much you can save on your mortgage!

Rescue Loan #4 🔥🔥🔥Congrats to the newest family! These buyers were denied due to not having enough saved for a down payment, so we found a great down payment assistance fit for them and wrapped this one up!

Call or text (713) 380-7400 to get your pre-approval started today 📲