Question 1

How long does it take to close a NON-QM loan?

Accepted Answer

Most NON-QM loans close in 21-30 days from application to funding. Complex files may take longer. Having your documents ready upfront helps us close faster.

Question 2

What documents do I need to apply?

Accepted Answer

Required documents depend on your loan program. Bank statement loans need 12-24 months of statements. DSCR loans need a lease agreement. All programs require ID, credit authorization, and property information.

Question 3

Does applying affect my credit score?

Accepted Answer

Our initial pre-qualification uses a soft credit pull that doesn't affect your score. A hard credit inquiry only happens when you formally apply, and it typically impacts your score by less than 5 points.

Question 4

Can I get pre-approved before finding a property?

Accepted Answer

Yes, we provide pre-approval letters within 24-48 hours that show sellers you're a qualified buyer. Pre-approval locks in your rate and gives you a competitive edge in hot markets.

Question 5

What states does NS Funding serve?

Accepted Answer

NS Funding is licensed in 19 states including Arizona, California, Colorado, Florida, Georgia, New Jersey, New York, Texas, and Washington. Call us to confirm we're licensed in your state.

Question 6

Is NS Funding a legitimate company?

Accepted Answer

Yes, NS Funding is a licensed mortgage broker (NMLS #139369) with 30+ years of combined experience. We're regulated by state and federal agencies and maintain full compliance with lending laws.

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