Frequently Asked Questions

A good mortgage broker works for you, not for a single bank. We shop your loan across many wholesale lenders, explain every fee and number before you sign, and keep you updated through a secure client portal. United Trust Mortgage is licensed under NMLS #2591548, which you can verify on NMLS Consumer Access. Your home is likely the biggest investment you will make, and we treat it that way.

A Non-QM (Non-Qualified Mortgage) is a loan that doesn't meet the CFPB's qualified-mortgage criteria — typically because of alternative income documentation. United Trust Mortgage specializes in Non-QM products including DSCR, bank statement, P&L, and asset depletion loans for self-employed borrowers and real estate investors.

A DSCR (Debt Service Coverage Ratio) loan qualifies a real-estate investor on the rental income of the subject property — not on personal income. United Trust Mortgage offers DSCR loans up to 80% LTV with credit scores from 660. Read the full guide.

No. Non-QM programs qualify borrowers on bank-statement deposits, CPA-prepared P&L statements, liquid assets, or rental property cash flow — instead of W-2s or tax returns.

Yes. We're a full-service brokerage offering the complete agency stack — Conventional, FHA, and VA — alongside our Non-QM specialty programs. We shop multiple wholesale channels for the sharpest rate. Read more.

Yes. We close DSCR loans in single- and multi-member LLCs for liability protection and portfolio bookkeeping.

Minimums vary by program: Non-QM and DSCR start at 660; agency Conventional starts at 620; FHA accepts down to 580 (and 500 with 10% down on some lender overlays); VA generally requires 580+. Better pricing is available at 700+.

Yes. Our DSCR programs accept short-term rental income with a 12-month rental history, or an AirDNA Rentalizer projection on properties without a track record.

We work with a deep wholesale and correspondent lender network — one application, many options.

Up to $5M+ on select Non-QM jumbo programs. Agency conventional caps at $806,500 in standard counties for 2026 and higher in high-cost areas. Jumbo guide.