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Ready to Begin Your Non-QM Loan Application?

Some lenders opt to offer non-QM products to individuals that do not fit into a QM product. Pando Mortgage has paired with some of those lenders to offer its’ clients the best fit of financing for their needs.

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Non-QM Loan Benefits:

To understand what a non-QM loan is, one needs to understand what a QM loan means. Qualified Mortgages (QM) are home mortgage products that meets standards set forth by the Federal Government. These loans do not allow for high risk features and protects the consumer from getting into a situation that they do not have the ability to repay.

Some lenders opt to offer non-QM products to individuals that do not fit into a QM product. Pando Mortgage has paired with some of those lenders to offer its’ clients the best fit of financing for their needs.

Available for Commercial Lending

This product is different than loans offered via the Small Business Administration and is not to be confused with such loans. Our Commercial lending product is either 3 yrs or 8 yrs with a max LTV of 70%. The loan amount can be as low as $75,000 and go upwards to $5,000,000.

Jumbo Home Loans

Please see our Jumbo Home Loans details page.

Asset Based Loans

Also known as Bank Statement loans, this type of financing relies on a business’s gross income in the form of bank deposits to qualify the borrower. Additionally, the lender does not require tax returns, W2s, 1099s nor paystubs. The assets that is placed into the bank is tallied up for a total of 12 or 24 months and then averaged. This loan vehicle may be perfect for small business owners, physicians, commission-based sole proprietors as well as a variety of other clients. Please reach out to your Mortgage Loan Officer for further information

Available Short Term Financing

While most QM loans do not allow for investors that flip properties, a non-QM product such as our Short-Term Flip loan fills that gap. A borrower that needs capital to finance improvements on a rehab property fits this loan product well; credit requirements are a FICO of at least 650 as well as standard income/asset qualifications.

Customer Reviews

See what our customers have to say about Pando Mortgage products, people & services.

“Working with Steve and the guys at Pando was awesome! They helped me secure a loan at a very low-interest rate. Steve explained every step of the process along the way and was very easy to talk to. Give Pando a call if you need a mortgage!”

Sheila S.

“As a realtor and owner of O’Sullivan Realty Group, Pando Mortgage has been our number one go to for all of our clients. We work hand in hand through every transaction to ensure they get the best rate possible and ensure a smooth process in a timely manner while doing so. Stephen and his team are fighters and do not give up on their clients. Their availability and passion is what makes them unique! We couldn’t ask for a better team to work with.”

Linda O.

“Working with Steve was a pleasure. I could not express how great my experience was. Moving is a stressful process, but Steve was always available to talk and put me at ease whenever I had concerns or just general questions. I have been recommending him and his team to everyone I know looking to move.”

Greg M.

We are Here to Help You

Our mission at Pando Mortgage is to pair you with someone passionate, who will guide you through the mortgage financing process and be your advocate during one of life’s most important moments. We believe that the mortgage industry can do better; let us prove it to you!

1-610-579-3357

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1 West 3rd St. Suite 101
Media, PA 19063

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