FCM Solutions: Flexible Lending for Unique Borrowers
At First Community Mortgage, we understand that not every borrower fits into a traditional lending box. That’s why we created FCM Solutions, a comprehensive suite of Non-QM (Non-Qualified Mortgage)programs tailored to meet the needs of self-employed individuals, real estate investors, and those with alternative income documentation.
Whether you're looking to purchase a primary residence, a second home, or an investment property, FCM Solutions offers a range of products to help you secure financing—even if you don’t meet conventional guidelines.
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Available Loan Amounts
Loan amounts up to $3 million
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FICO Requirements
Minimum FICO: 660
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Maximum Loan to Value
Maximum LTV: Up to 90%
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Flexible income documentation options
- Full Doc
- 12- or 24-Month Bank Statements
- 1099 Income
- Profit & Loss Statements
- Asset Depletion (Pro & Plus only)
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Interest-only options available
Yes
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Property options
Eligible for Primary, Second Home, and Investment properties
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Investor focused
Designed for real estate investors
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Qualifications
Qualify based on property cash flow, not personal income
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Debt Service Coverage Ratio (DSCR)
DSCR as low as 0.75x or No Ratio options available
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Available Amounts
Loan amounts up to $2 million
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Interest-only options available
Yes
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Documentation requirements
No employment or income documentation required
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Financing Options
Financing available for non-U.S. citizens
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Maximum Loan to Value
Maximum LTV: 65%
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Property Options
Eligible for Investment and Second Home only
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DSCR
DSCR qualification available
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Self-Employed Borrowers
Use bank statements or P&L to qualify
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Real Estate Investors
Leverage rental income to secure financing
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Foreign Nationals
Access U.S. property financing with flexible terms
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Borrowers with Credit Events
Past bankruptcies or housing events may be considered
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Terms & Conditions
Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and FCM underwriting criteria. For licensing information, go to: www.nmlsconsumeraccess.org. 262 Robert Rose Dr, Murfreesboro, TN 37129