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!

Rating: 5 out of 5

everything was taken care of

Nathan Joseph D. Saint Martinville – September 25, 2026
Rating: 5 out of 5

Stephanie has been my lender through two home purchases and a refinance over the past thirteen years, and in that time she has never once just processed a transaction. She listens first. She asks the right questions until you see what she already sees, not because she’s steering you toward…

Stephanie has been my lender through two home purchases and a refinance over the past thirteen years, and in that time she has never once just processed a transaction. She listens first. She asks the right questions until you see what she already sees, not because she’s steering you toward a decision, but because she’s making sure you don’t end up somewhere you’ll regret. She started as my lender and became someone I trust with the hardest, most stressful moments of my financial life: buying a home, refinancing, navigating major life changes. Every time, she met it with the same calm competence and genuine warmth, the kind that makes a complicated process feel manageable instead of overwhelming. There’s a saying that you can have quality or speed, never both. Stephanie is proof that saying was written before anyone worked with her. She moves with real intention, never cuts corners, and still makes the process feel unhurried and human, all while getting it done fast. When we closed my most recent refinance, I walked into her office with a bottle of champagne, because for me it was never just about the paperwork. It marked a real turning point, and I couldn’t have gotten there without her. Stephanie is exactly why GMFS has earned a client for life, and I hope she knows how much her work has meant to me over the years.

Natasha Windmann T. Madisonville – September 25, 2026
Rating: 5 out of 5

Stephanie has been my lender through two home purchases and a refinance over the past thirteen years, and in that time she has never once just processed a transaction. She listens first. She asks the right questions until you see what she already sees, not because she’s steering you toward a decision, but because she’s making sure you don’t end up somewhere you’ll regret. She started as my lender and became someone I trust with the hardest, most stressful moments of my financial life: buying a home, refinancing, navigating major life changes. Every time, she met it with the same calm competence and genuine warmth, the kind that makes a complicated process feel manageable instead of overwhelming. There’s a saying that you can have quality or speed, never both. Stephanie is proof that saying was written before anyone worked with her. She moves with real intention, never cuts corners, and still makes the process feel unhurried and human, all while getting it done fast. When we closed my most recent refinance, I walked into her office with a bottle of champagne, because for me it was never just about the paperwork. It marked a real turning point, and I couldn’t have gotten there without her. Stephanie is exactly why GMFS has earned a client for life, and I hope she knows how much her work has meant to me over the years.

Natasha Windmann T. Madisonville – September 25, 2026
Rating: 5 out of 5

Communication was excellent. There was never a question I had that went unanswered

Robert Eli T. Mize – September 23, 2026
Rating: 4.5 out of 5

Friendly service

William F. Lafayette – September 21, 2026
Rating: 5 out of 5

Ashley was very professional and easy to work with. She answered all of my questions quickly and left me feeling confident!

Madeleine B. September 25, 2026

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.

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