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GMCCLOAN
SPECIAL

Universe
Special

10/1 ARM 5.75%

6.503

APR
%

Purchase $3.33M | LTV 0.6 | FICO 680
1-4 Units | Primary Residence | 01.06.2026

YOUR LOAN
OUR SOLUTION

NON-QM

BUY WITHOUT SELL

Universe Program Highlights

No Income Documentation or DTI

  • Borrowers can qualify without traditional income documentation, employment verification, or debt-to-income calculations.

  • No DSCR ratio requirement for investment.

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Foreign Friendly​

  • Foreign nationals are eligible, with the same rate options available.​​​

  • Most visas are acceptable, including F, B,and J visas.​

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LTV​

  • 60% LTV for Primary or 2nd Home.

  • 50% LTV for investment or Cash out.

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Reserves​

  • 12-18 months reserves.

  • 50% can be "Non-Liquid"

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JAMES YAN, PH.D.

District Manager

Phone: 626.226.8695

Email: jyan@gmccloan.com

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DRE #01880155

NMLS #1904360

About GMCC 

 

General Mortgage Capital Corporation (“GMCC”) is one of the fastest-growing direct lenders in California. GMCC has over 100 lending resources (such as Chase, Wells Fargo, Citi, US Bank...) in correspondent and wholesale channels, provides a full spectrum of loan products (from $200k up to $20m) for different market needs, and sells loans directly to Fannie Mae, Freddie Mac, hedge funds, investment banks, and Wall St. With in-house local underwriting and funding, GMCC commits to extremely efficient turnaround times, which is critical for the current challenging market condition. All programs are subject to credit approval, Does not guarantee credit decision.

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Affiliated Business Arrangement Disclosure​

 

James Linjun Yan is the owner of United Home Teams, Inc. and is also a licensed mortgage loan originator (NMLS #1904360) with GMCC. Due to this relationship, if United Home Teams, Inc. refers loan business to GMCC and James Linjun Yan serves as the loan originator on those transactions, he may receive a financial benefit. You are NOT required to use GMCC’s loan services as a condition of purchasing or selling any property.

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