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

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.

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.

Ashley Neely was very informative and very helpful during our buying process. Her diligence to help us purchase our first home, was very welcoming. My family and I thank Ms. Neely and the staff for their hard work! God Bless!

Jonathan B.

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.

The best decision I have ever made.

Kristie P.

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