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

Chad Horne’s ability to explain the process step by step before and during the process. I always knew what to expect. Chad’s being available and easy to contact. Chad’s willingness to answer any of my questions.

Derek M M. Zachary – October 6, 2026
Rating: 5 out of 5
Curtis G. October 8, 2026
Rating: 4.75 out of 5

John was very helpful in explaining the reasoning and process behind every step of the mortgage process, and was attentive to receiving and distributing the required documents in a timely manner during the closing process.

Evan L. Macon – October 9, 2026
Rating: 5 out of 5

Jason and Brandy were great to work with. Quick responses and answered all our questions on our refinance. They made the process easy and stress free. My wife and I highly recommend.

Raymond N. Baton Rouge – October 8, 2026
Rating: 5 out of 5

Always easy working with Brad. Highly recommend!

Leslie D. Baton Rouge – October 5, 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