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Nationwide programGrant

CrossCountry Mortgage Non-QM loans

CrossCountry Mortgage Non-QM loans is a grant for homebuyers in Statewide, California.

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The program asks for

  • The home is occupied as a primary residence
  • Sourced via Homebuyer Wallet (NT20250030). Non-QM products. Higher rates than QM; flexible underwriting. Self-employed bank-statement loans, ITIN, asset-depletion, etc.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

How to apply

  1. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Questions about this program

What is CrossCountry Mortgage Non-QM loans?

CrossCountry Mortgage Non-QM loans is a grant for homebuyers in Statewide, California. Non-QM mortgage suite for non-traditional borrowers. Multiple sub-products (bank statement, ITIN, DSCR for investment). Non-Qualified Mortgage products for borrowers who don't fit conventional underwriting (self-employed, bank statement, asset depletion, foreign nationals, recent credit events). This is a nationwide program, so it is available beyond a single state or city.

Do you have to pay it back?

CrossCountry Mortgage Non-QM loans is structured as a grant, so it is not repaid. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

CrossCountry Mortgage Non-QM loans is open to homebuyers who will live in the home as their primary residence. Sourced via Homebuyer Wallet (NT20250030). Non-QM products. Higher rates than QM; flexible underwriting. Self-employed bank-statement loans, ITIN, asset-depletion, etc.

What kind of home can it be used for?

CrossCountry Mortgage Non-QM loans can be used for Single-family, Condo, Townhouse, 2-4 unit owner-occupied.

Where does it apply?

CrossCountry Mortgage Non-QM loans is a nationwide program, so it is not limited to one state.

How do you apply?

Applications for CrossCountry Mortgage Non-QM loans go through the administering agency. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

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Whether two programs can be combined is up to each agency. Ask before you apply.

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Program terms are set by the administering agency and can change; confirm on the official site before you apply.