ResMac specializes in Non-QM lending — bank statement loans, DSCR investor loans, hard money, private money, and unique debt-payoff strategies that set you up for long-term success.
At ResMac, we specialize in mortgage solutions for borrowers the big banks overlook — self-employed professionals, real estate investors, credit-challenged borrowers, and those who need an alternative path to homeownership or investment growth.
Gain access to the capital you need with flexible programs designed for real-world borrowers — not just perfect credit profiles.
Qualify using 12–24 months of personal or business bank statements instead of tax returns. Perfect for self-employed borrowers, entrepreneurs, and business owners.
Qualify based on the property's cash flow, not your personal income. Ideal for rental property investors looking to scale their portfolio fast.
Asset-based lending for investors who need to move fast. No FICO minimum, no conventional underwriting hurdles — close in as few as 7 days.
Relationship-based lending with a creative approval process. When conventional financing is unavailable, our private money programs provide a path forward.
Short-term financing for purchase and renovation. Get the capital you need to acquire, rehab, and resell investment properties profitably.
Our proprietary 2nd mortgage program pays off high-interest debt, boosting your FICO score and lowering your DTI — setting you up to refinance your 1st mortgage at a dramatically better rate.
Many borrowers are stuck paying a high interest rate because their FICO score and debt-to-income ratio are too high for a conventional refinance. Our combination loan breaks that cycle.
We structure a 2nd mortgage that pays off your high-interest credit cards, auto loans, and other debts. This dramatically improves your credit profile — often raising FICO scores by 40–80+ points and dropping your DTI significantly — so you can refinance your 1st mortgage into a far lower rate once the loan is seasoned.
See If You QualifyResMac funds a 2nd mortgage using your existing home equity to pay off credit cards, auto loans, and other high-rate debt in full.
With balances cleared, your credit utilization drops and your FICO score rises — typically 40–80+ points over the next 6–12 months.
Eliminating monthly debt payments reduces your debt-to-income ratio, making you a much stronger refinance candidate.
Now with a higher FICO and lower DTI, refinance your 1st mortgage into a significantly lower rate and save thousands per year.
We've streamlined lending for speed, transparency, and flexibility — from first conversation to funded loan.
Share your property details and financing goal through our quick form or by calling us directly.
We match you with the best Non-QM program for your situation — bank statement, DSCR, hard money, or our combo strategy.
Complete our streamlined online application with document upload — available anytime, from any device.
Our team reviews and begins underwriting fast — we'll quote your terms within 24–48 hours of receiving a complete file.
Once terms are accepted, we schedule closing. Hard money programs can close in as few as 7 days.
Whether you're a seasoned investor or a self-employed borrower who's been turned down elsewhere, we specialize in finding solutions. Fill out the quick form and a specialist will be in touch within one business hour.
Tell us about your scenario — takes about 2 minutes.
"I'm self-employed and every conventional lender turned me down. ResMac approved my bank statement loan in days. They were communicative, professional, and got me into my home."
"I needed to close on an investment property in 10 days. ResMac made it happen with a hard money loan when no one else could. Incredible team — this was my 3rd deal with them."
"The combination debt payoff loan was a game-changer. They paid off $42K in credit card debt through a 2nd mortgage. My FICO jumped 71 points and I'm refinancing at a much lower rate next month."
Our Non-QM specialists are available Mon–Sat, 8am–7pm. No question is too specific.
Join hundreds of borrowers who found a path forward with ResMac's flexible lending programs.
