Expanded Prime

Expanded Prime Mortgage / Non-QM Loans

Expanded Prime loans allow for a greater range of borrowers to qualify that may not be eligible for traditional conventional loans, especially self-employed borrowers and those with sufficient assets to cover a loan.

Mom and daughter having fun with soap foam in the kitchen

Features

Personal & Business Bank Statements with the use of 1099’s
Loan amounts up to $3 Million
DTI up to 50%
1-Year Tax Return and W-2 Doc Options
Investors with greater than 10 properties
Non-Warrantable Condos
Prior Foreclosure or Bankruptcy
Up to 90% LTV
No MI
Interest Only options for Fixed and ARMs
Prepayment Penalty for Investment Properties that Offer More Attractive Pricing
5/6 SOFR ARM

Let’s Talk

Contact a GMFS Mortgage Loan Officer today!

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Resources

Great Customer Service and Friendly Staff!

Jackie M.

All I can say is Will was great in helping us getting our nome We will never forget Will thank you Will

Jackie Faye W. Calera, AL

Ashley Neely and her team are amazing! We found them to be very knowledgeable and professional. They offer services that many others don’t have, and their rates and fees are competitive. Most of all, they make it obvious that your business matters to them, and they go above and beyond to help you every step of the way. It has truly been a pleasure to deal with them and we will be forever grateful for the personal attention they gave us. Choosing GMFS to finance our new construction has truly been one of the best decisions we made, and we highly recommend that everyone consider them for their mortgage lending needs. Thank you, Ashley, for all you have done for us!

Donna T.

Darren did a great job. He was very knowledgeable and responsive througho the process. Toward the end of the process we did get some odd request from loan approvers (not Darren) which is why I rated the overall experience as ok and not great (i.e. requirement to make cosmetic vinyl siding repairs prior to closing).

Jason M. Saint Francisville, LA

Worked with Ashley and she was heaven sent! Really nice, professional,and cares about her clients! Awesome person and we are blessed to have her.

jasmine g.

What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

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Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.

*Not a commitment to lend. All loans subject to credit and property approval. The following terms are for illustrative purposes only. Rates, payments, and loans terms vary by consumer based on their individual qualifying information. The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance.

Purchase Price	Loan Amount	Interest Rate	APR	Term
$239,000	$227,050	6.5%	6.725%	30