ARMs, non-QM are the 4Q opportunities, rate lock data shows
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BREAKING — National Mortgage News reports that non-qualified mortgage volume made up over 23% of September's rate locks, with industry forecasters projecting $175 billion in total non-QM originations for the year. The fourth-quarter tilt toward adjustable-rate mortgages and non-qualified products suggests borrowers and lenders alike are adjusting to a rate environment that no longer favors the plain-vanilla 30-year fixed for every scenario.
That adjustment creates a specific situation for investors and self-employed borrowers who may not fit standard documentation boxes. loantrust.ai works directly in this space, structuring financing around property cash flow through DSCR programs, bank-statement qualification for self-employed borrowers, and bridge or fix-and-flip execution for acquisition and construction timelines. One licensed MLO personally packages each file, which means the strategy conversation happens with the same person who understands the investor use case rather than a rotating call-center queue.
For real estate investors watching rate-lock data shift, the takeaway is that financing options are broadening precisely when conventional paths have tightened. A brokerage that originates both consumer and investor products, including multifamily and new construction, can match the structure to the project rather than forcing the project into a standard product. That alignment between program design and borrower situation matters most when market conditions are in transition.
Source: National Mortgage News, “ARMs, non-QM are the 4Q opportunities, rate lock data shows”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: mortgage brokerage in Atlanta
Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.