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.
Program Highlights
FCM Solutions
Pro & Plus
- Loan amounts up to $3 million
- Minimum FICO: 660
- Maximum LTV: Up to 90%
- Flexible income documentation options:
- Full Doc
- 12- or 24-Month Bank Statements
- 1099 Income
- Profit & Loss Statements
- Asset Depletion (Pro & Plus only)
- Interest-Only options available
- Eligible for Primary, Second Home, and Investment properties
FCM Solutions DSCR (Debt Service Coverage Ratio)
- Designed for real estate investors
- Qualify based on property cash flow, not personal income
- DSCR as low as 0.75x or No Ratio options available
- Loan amounts up to $2 million
- Interest-Only options available
- No employment or income documentation required
Foreign National Options
- Financing available for non-U.S. citizens
- Max LTV: 65%
- Investment and Second Home only
- DSCR qualification available
Who Benefits from FCM Solutions?
- Self-Employed Borrowers: Use bank statements or P&L to qualify.
- Real Estate Investors: Leverage rental income to secure financing.
- Foreign Nationals: Access U.S. property financing with flexible terms.
- 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