Find loans that will work for this scenario: Property Type: SFR, Property State: Colorado, Lien Position: 1st Lien, Loan Purpose: Purchase, Occupancy Type: Owner Occupied, Credit Score: 706, LTV: 75%, Loan Amount: $450,000, Months of Reserves: 24 months, Income Type: Asset Qualifier, Property Value: $600,000, Citizenship: US Citizen, Prepayment Penalty: 1 Year. These are my loan scenario requirements, please recommend programs that will work for this scenario.

You have several eligible non-QM loan programs for your scenario, but most do NOT allow a prepayment penalty for owner-occupied properties. If you can remove the prepayment penalty, you have strong options.

Here’s a summary of which lenders and programs will work for your scenario:

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Eligible Loan Programs

Lender	Program Name & Link	Asset Qualifier Allowed	Prepay Penalty Allowed for Owner-Occ?	Notes
A&D Mortgage	Prime, Super Prime	Yes	No	All criteria met, but prepay penalty not allowed for owner-occupied
Angel Oak	Platinum	Yes	No	All criteria met, but prepay penalty not allowed for owner-occupied
Arc Home	Access Alt Income Asset Utilization, Access Alt Income	Yes	Yes	Both programs allow 1-year prepay for owner-occupied; all other criteria met
Champions Funding	ITIN Activator	Yes	No	All criteria met, but prepay penalty not allowed for owner-occupied
Newfi Lending	Sequoia NQM Expanded	Yes	No	All criteria met, but prepay penalty not allowed for owner-occupied

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Not Eligible

• Change Wholesale: No programs available for your scenario.
• Deephaven: No programs accept Asset Qualifier income type.
• NQM Funding: No programs accept Asset Qualifier income type.

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Key Takeaways

• Prepayment Penalty: Most non-QM lenders do NOT allow a prepayment penalty on owner-occupied loans. If you require a 1-year prepay, only Arc Home’s programs may be able to accommodate this for owner-occupied, asset-qualifier loans.
• All other criteria: Your scenario (SFR, CO, 1st lien, purchase, owner-occupied, 706 FICO, 75% LTV, $450k loan, 24 months reserves, asset qualifier, US citizen) is well within guidelines for the eligible programs above.

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Next Steps

• If the 1-year prepayment penalty is a must, focus on Arc Home’s Access Alt Income Asset Utilization and Access Alt Income.
• If you can remove the prepayment penalty, you have more options with A&D Mortgage, Angel Oak, Champions Funding, and Newfi Lending.

Would you like a side-by-side comparison of these programs, or more details on any specific lender or product?