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

Rating: 5 out of 5

GMFS Mortgage was very outstanding. Ashley done an awesome job, helping and teaching both my wife Regina and I. I want to say thank you all for such an amazing job.

Mr. and Mrs. Douglas Rankins

Douglas R.
Rating: 5 out of 5

They made our first home construction loan effortless. Best and easiest experience. Would definitely use them again. Great, friendly people!

Troy M.
Rating: 5 out of 5

Ashley and her team are awesome! In spite of the issues we faced in our construction process, Ashley made sure we never had any worries about our loan. She was knowledgeable, professional, responsive and a true lifeline for us. We are forever grateful for the personal attention she gave us, and for always treating us like our business mattered. We highly recommend her to anyone building or buying a home. Customer service at its finest!

Donna T.
Rating: 5 out of 5

comunication and overall work

Brandon Lee C. Quitman, MS
Rating: 5 out of 5

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

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 PriceLoan AmountInterest RateAPRTerm
$239,000$227,0506.5%6.725%30