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

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Contact a GMFS Mortgage Loan Officer today!

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This company was so easy to work with! Ashely and her team were prompt and very informative. Everything was easy and online, and with our hectic schedule we stayed on target and closed in a timely manner. They will be recommended to any in my circle buying a new home!

Worship D.

Love the service we received. Great experience

Belinda S.

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.

GMFS–Ashley especially–have been easy to do business with. From the very beginning of the mortgage process to the present, she has been there to answer questions and support our mortgage.

Kyle K.

Great experience for a first-time home buyer!! John made us feel comfortable throughout the whole purchase process.

Olivia B.

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