Business Details
Your Trusted Partner for Mortgage Solutions
HomeXpress Mortgage was founded by seasoned mortgage professionals with decades of experience in providing flexible homeownership solutions. We specialize in Non-QM loan programs for borrowers outside traditional lending requirements while expanding our offerings to include Prime Jumbo mortgage solutions. Our business model prioritizes teamwork, industry expertise, and unwavering commitment to broker partners, ensuring borrowers' needs are met through personalized lending solutions. With licensing in 46 states and Washington DC, we combine speed, ease, and convenience with rigorous underwriting standards.Our leadership team, affiliated with Seer Capital Management, brings deep financial expertise to our operations. We maintain core values of competence, accountability, reliability, empowerment, and superior service delivery while adhering to strict regulatory compliance. Our mission remains focused on borrowers' best interests, helping achieve homeownership dreams through tailored loan products and exceptional service.
Services
Non-QM Loans
Prime Jumbo Loans
Business Purpose Loans
Bank Statement Programs
InvestorX/DSCR Loans
Highlights and features
- Decades of mortgage industry experience with specialized Non-QM expertise
- Licensed to operate in 46 US states and Washington DC
- Commitment to speed with efficient loan processing systems
- Dedicated account executives providing personalized support
- Comprehensive range of loan programs for diverse borrower needs
What people say
Speedy loan processing
Knowledgeable team
Responsive AEs
Efficient closing
Tailored solutions
Services
Non-QM Loans
Non-QM loans provide mortgage solutions for borrowers who don't meet traditional lending criteria. These programs accept alternative documentation like bank statements and profit/loss statements. Ideal for self-employed individuals, foreign nationals, and those recovering from credit events. Our Non-QM products offer flexible underwriting guidelines while maintaining responsible lending standards.
Prime Jumbo Loans
Prime Jumbo loans serve borrowers needing financing amounts exceeding conforming loan limits. These products combine competitive rates with conventional underwriting standards. Designed for prime borrowers seeking financing for high-value properties. Available with fixed and adjustable rate options to meet diverse financial needs.
Business Purpose Loans
Business Purpose loans cater to real estate investors using properties for income generation. These non-owner occupied loans consider debt service coverage ratios (DSCR) for qualification. Accepts short-term rental income documentation through platforms like AirDNA. Streamlined process with reduced documentation requirements for experienced investors.
Bank Statement Programs
Bank Statement programs evaluate mortgage applications based on verified bank statements instead of traditional income documentation. Perfect for self-employed borrowers with complex financial profiles. Uses cash flow analysis to determine repayment capability while maintaining responsible lending practices.
InvestorX/DSCR Loans
InvestorX/DSCR loans provide financing solutions for real estate investors acquiring rental properties. These programs use debt service coverage ratios to qualify borrowers. Accepts alternative income documentation including short-term rental reports. Designed for investors expanding their property portfolios with flexible underwriting guidelines.
People
Christian DiMaggio
Account Executive
Christian DiMaggio is a dedicated Account Executive at HomeXpress Mortgage, known for his responsiveness, deep product knowledge, and commitment to client satisfaction. With years of experience in Non-QM lending, he consistently delivers efficient solutions and exceptional service, making him a trusted partner for brokers and clients alike.
Jillian von Bruer
Account Executive
Jillian von Bruer brings extensive expertise in Non-QM lending as an Account Executive. Recognized for her persistence and professionalism, she specializes in complex loan scenarios and maintains clear communication throughout the lending process to ensure successful closings.
Carleen Tillman
Account Executive
Carleen Tillman excels in delivering rapid loan solutions as an Account Executive. Her proactive approach and problem-solving skills have earned recognition for closing challenging files under tight deadlines while maintaining exceptional service standards for brokers and borrowers.
Sheila Robinson
Account Executive
Sheila Robinson combines deep industry knowledge with responsive service as an Account Executive. She specializes in finding solutions for complex mortgage scenarios while maintaining a client-focused approach that consistently delivers successful outcomes for brokers and borrowers.
Julie Reis
Account Executive
Julie Reis demonstrates exceptional expertise as an Account Executive, known for anticipating client needs and maintaining seamless communication throughout the loan process. Her proactive approach and market knowledge make her a trusted partner for mortgage professionals.
Questions
What is a Non-QM loan?
Non-QM loans are non-qualified mortgages that use alternative underwriting criteria for borrowers who don't meet traditional lending standards.
How do I apply for a mortgage?
Submit your loan scenario through our broker portal or contact an account executive to start the application process.
What loan programs do you offer?
We offer Non-QM loans, Prime Jumbo loans, Business Purpose programs, Bank Statement mortgages, and InvestorX/DSCR solutions.
How long does loan processing take?
Many loans close within 5-15 business days depending on complexity and documentation completeness.
What are your eligibility requirements?
Requirements vary by program but typically include minimum FICO scores (600-660) and property-specific criteria.
Do you work with mortgage brokers?
Yes, we're a wholesale lender exclusively serving licensed mortgage brokers and loan officers.
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