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NorthStar Funding - NON-QM Mortgage Specialists
New York

New York NON-QM Mortgage Specialist

Serving New York's diverse borrowers with specialized mortgage solutions. From Wall Street executives to Brooklyn entrepreneurs, we close loans that traditional banks decline.

NMLS #139369
127+ Five-Star Reviews
30+ Years Experience

New York by the Numbers

$3.5M
Max Loan Amount
620
Min Credit Score
21
Days to Close
40+
NY Closings/Year

NON-QM Loan Programs for New York

Specialized mortgage solutions designed for New York's competitive real estate market and diverse borrower profiles.

Bank Statement Loans

Ideal for NYC's self-employed professionals, freelancers, and small business owners

  • 12 & 24 month programs
  • Up to $3.5M
  • Credit from 620

DSCR Loans

Finance rental properties across NYC boroughs, Long Island, and Westchester

  • No income verification
  • Unlimited properties
  • 1.0+ DSCR ratio

Asset Depletion

Qualify using liquid assets — perfect for Wall Street professionals and retirees

  • No employment required
  • Use stocks, bonds, retirement
  • Up to $3.5M

Jumbo NON-QM

High-balance loans for Manhattan, Brooklyn, and Tri-State luxury markets

  • Loans over $766,550
  • Alternative documentation
  • Co-ops & condos

Foreign National

Serving New York's international buyers, diplomats, and global investors

  • No SSN required
  • ITIN accepted
  • Investment & primary

HELOC & HELOAN

Unlock equity in your New York property with flexible draw options

  • All income types accepted
  • Up to 90% CLTV
  • Fast approval

New York Markets We Serve

From Manhattan penthouses to Long Island estates, we understand local market dynamics and tailor solutions accordingly.

Manhattan

Pop: 1.6M•Avg Home: $1.2M

Brooklyn

Pop: 2.7M•Avg Home: $875K

Queens

Pop: 2.3M•Avg Home: $650K

Long Island

Pop: 2.8M•Avg Home: $625K

Westchester County

Pop: 1.0M•Avg Home: $750K

Hudson Valley

Pop: 2.4M•Avg Home: $475K

Recent New York Closings

Real deals we've closed for New York borrowers that traditional banks turned down.

$3.1M
Manhattan, NY
Asset Depletion

Finance executive with stock portfolio

$1.8M
Brooklyn, NY
Bank Statement

Tech startup founder, 2 years self-employed

$2.4M
Great Neck, NY
Jumbo NON-QM

International business owner purchasing primary

$1.1M
White Plains, NY
DSCR

Multi-family investment property, 4 units

Ready to Get Started in New York?

Get your personalized NON-QM loan quote in 60 seconds. No credit check required.

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