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

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.

Working with John Graeber was an absolute pleasure! From the very beginning, he made the mortgage process smooth, stress-free, and transparent. He took the time to explain every detail, answered all our questions promptly, and provided the best possible loan options tailored to our needs.

His professionalism, expertise, and dedication were truly exceptional. Communication was top-notch, and I always felt informed and supported. I highly recommend him to anyone looking for a trustworthy and efficient mortgage lender. Thank you for making my first home-buying experience seamless and enjoyable!

Celeste B.

Ashley was terrific. Wet friendly, thorough and detail oriented. Even though the process sucks Ashley went over and above to help at every step. If it weren’t for Ashley we’d be renting right now but instead we are living in our own home. Cannot thank her enough!

Krisha h.

Josh is a great lender and awesome to work with!!

Stephanie M. Lacombe, LA

From the first phone call I made Stinson supplied just the information I requested. And then I appreciate it, as well as I’m sure my clients did, that he came to the closing and was very professional and friendly. I enjoyed him very much as I’m sure my client did also.

Toni K. Baton Rouge, LA

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