Non-Agency Programs

Non-Agency Programs are designed for buyers with unique financial situations or non-traditional income. These flexible mortgage options include Jumbo Loans for higher-value properties, as well as programs tailored for self-employed borrowers or individuals who may not have standard income documentation. If your financial profile doesn’t fit within traditional lending guidelines, we can help you find a solution that does.

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Jumbo Loans with NOLA Lending Group

Secure Financing for Luxury Properties

Are you looking for financing options that go beyond standard loan limits? A jumbo loan might be the perfect solution for purchasing your dream home. At NOLA Lending Group, we specialize in offering personalized mortgage solutions, including jumbo mortgage loans, to help you secure the property you deserve.

Connect with NOLA Lending Group mortgage specialist, your partner in the homeownership journey. Let us help you achieve your goals with confidence and ease. Explore your jumbo loan and mortgage financing options.

Benefits of Choosing a Jumbo Loan
A jumbo loan is a type of home mortgage designed for properties that exceed the lending limits set by the Federal Housing Finance Agency (FHFA) for conventional loans.

When you choose a jumbo loan with NOLA Lending Group, you unlock several advantages, including:
- Flexible Options: Fixed and adjustable rate mortgages are available for the purchase, refinance, and cash-out refinance of primary residences, second homes, and investment properties.
- Ample Loan Amounts: Up to $3 million.
Who Should Consider a Jumbo Loan?
If you plan to purchase or refinance a high-value property, our jumbo mortgage options can help you make the most of today’s inviting home prices. Whether you are planning to stay in your home for a short time or live there for many years, a variety of fixed and adjustable-rate mortgages are available to help meet your needs.

A jumbo loan is ideal if:
- You are purchasing a home in a high-cost area.
- Your dream property exceeds the limits of a conforming loan.
- You are financially prepared for higher monthly mortgage payments.
How Jumbo Loans Work
Because jumbo loans involve higher amounts and increased risk for lenders, the eligibility criteria are more stringent. Common requirements include:
- Credit Score: Typically, a higher credit score is needed compared to standard loans.
- Debt-to-Income Ratio (DTI): A lower DTI ratio is often required to demonstrate your ability to manage larger monthly payments.
- Down Payment: Larger down payments are customary, though some options allow for flexibility.
Why Choose NOLA Lending Group for Your Jumbo Mortgage Loan?
At NOLA Lending Group, we pride ourselves on being a trusted partner for homebuyers. Here’s why so many choose us for their mortgage needs:
- Local Expertise: Our mortgage specialists understand the unique aspects of the local market, ensuring you get the best guidance and support.
- Comprehensive Solutions: From jumbo loans to other mortgage products, we offer a wide range of options to suit your financial goals.
- Dedicated Service: Our team is committed to making your home-buying experience as seamless and stress-free as possible.

Debt Service Coverage Ratio (DSCR) Loan Program

Finance Investment Properties with Rental Income, Not Personal Income

At NOLA Lending Group, we specialize in helping investors secure flexible, efficient mortgage solutions tailored to their goals. With our DSCR loan program, you can grow your rental portfolio without the traditional income hurdles. Whether you’re buying your first rental or adding to your existing properties, our experienced mortgage professionals are here to guide you.

What is a DSCR Loan?
Who is a DSCR Loan For?
This program is ideal for real estate investors who want to purchase or refinance rental properties using the cash flow the property generates.
- Real estate investors financing income-producing properties
- Buy-and-hold investors focused on long-term rental portfolios
- Landlords expanding their real estate assets
- Clients with non-traditional income sources who may not qualify for conventional loans
DSCR Loan Benefits and Features
The DSCR loan program offers flexible financing for rental property investors by focusing on property cash flow instead of personal income, making it ideal for expanding real estate portfolios.
- No personal income verification required
- Qualify based on rental income from the subject property
- Multiple transaction types: Purchase, Rate/Term Refinance, Cash-Out, and Refinance
- Eligible properties: 1–4 unit residential properties
- Occupancy: Investment only
- Loan Term: 30-year fixed

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Pre-qualification application

If you're ready to submit your application, click the Fill Out a Pre-Qualification Application button and jump right in.

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LENDING IN ALL STATES EXCEPT: KANSAS, MARYLAND, NEW JERSEY, AND NEW YORK

Information stated above is subject to change without notice. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend or offer an extension of credit. All loans are subject to credit approval. Not all applicants will qualify for all products offered. All loan programs, terms and interest rates are subject to change without notice and may only be available in select markets.

Loan limits for Jumbo loans vary based on location and are subject to change annually. For the most current loan limit information, please visit the Fannie Mae Loan Limits webpage. Interest rates may increase after consummation. Restrictions apply.