Non-QM Options
in Oakhurst

Non-QM Loan Products We Offer

In order to make sure that every customer who approaches us can get the financing they need, we offer the following non-QM solutions in California:

One day out of foreclosure

If you are being foreclosed upon, you do not need to wait three years to apply for another mortgage. With our one-day-out-of-foreclosure loans, you can buy a new home immediately.

500 FICO score

We offer financing to customers with credit scores as low as 500. If you have been rejected because of your score by other mortgage companies in California, we can connect you with a mortgage.

Owner-builder loans

If you are the general contractor on your own construction project, you can apply for one of our owner-builder construction loans.

Spec construction loans

We offer these loans for building speculative properties.

Investor cash flow loans

With this type of mortgage, the cash flow that you expect from the property you are purchasing is considered during the qualification process.

No document loans

These mortgages are available to those who cannot apply with traditional full documentation (i.e. a W-2). Consider a no document loan if you are a business owner, self-employed person or entrepreneur.

Bridge loans

If you are in the process of selling one property while purchasing another, a bridge loan can provide you with the short-term financing you need to complete both transactions.

Foreign national loans

If you would like to invest in property in the United States as a foreign national, our fast, flexible and affordable foreign national loan process allows you to close rapidly on valuable real estate.

Schedule Your Non-QM Loan Consultation Now

If you believe that one of the lending products above might be an ideal fit for your needs, or if you are looking for a non-QM product we do not have listed here, please give us a call at 559-540-2275.

As non-QM loan products are among our specialties, we feel confident that no matter what your situation is, we can help. We look forward to discussing your needs and matching you with solutions during your free consultation.

Get Pre-Approved Today!

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Granite West Funding, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

Melissa De Graaff

21:27 17 Oct 24

We cannot say enough wonderful things about working with Eric Wood at Granite West Funding. We went into the situation not knowing much about the process. Eric helped us (while educating us) every step of the way!! We highly recommend Eric and his entire team, they were all fantastic, hardworking and a very kind group of people!!

Krissi O

13:52 08 Jul 24

Granite West has been our "go to" on several occasions and never disappoint! Quick results and always professional! Highly recommend!!!

Tammi Chumney

17:22 14 Feb 23

My husband and I just bought our first investment property and it is fabulous!!It was a very unique situation that demanded a lot of precise attention to details. Eric Wood was there every step of the way! Him and his team at Granite West funding are amazing professionals and very kind hearted people to work with. :) I just can’t say enough about our seamless experience with Eric Wood. Thank you to Jackie as well! We will be a regular clients for future investments and lending needs. Big thank you to you all from the Chumney’s!!

Sherry Andersen

01:02 10 Feb 23

We just finished a deal with Eric Wood and he was great to work with. He was extremely helpful and always responded quickly to our calls, texts or emails. I have worked with many people in the lending industry and can tell you that everyone at Granite West Funding is good at what they do. They had several options available for us and they handled our financing as if they were doing it for themselves or a loved one.Thank you Granite West Funding for making each of our transactions go quickly and smoothly!

Melissa McGregor

15:23 18 Nov 19

We recently executed a long distance purchase of a Condominium at Bass Lake, from the Los Angeles area. Granite West Funding handled our funding and walked us through the process via phone calls, text messaging and e-document signing, all of which helped get us closed in 30 days. Even with a snafu in the execution of escrow, Granite West Funding went above and beyond to resolve our problem in a more than satisfactory manner! These professionals care about their clients and their business reputation, and it showed! Thank you Granite West Funding!

Non-QM Optionsin Oakhurst