Terms of Use

By accessing nonqm2nd.com you agree to these Terms of Use. If you do not agree, do not use the site, the qualification calculator, the underwriting concierge, or any other tool made available here.

All content on this site — including the dual-track qualification calculator, its underlying guideline matrices and formulas, the underwriting concierge and its rule set, Investor Academy material, page copy, layout, logos, and graphics — is owned by nonqm2nd.com and protected by United States and international copyright, trademark, and trade-secret law.

The qualification logic and program matrices are confidential and proprietary business information. Nothing on this site transfers any license or ownership interest to you.

You may view this site and use the calculator to evaluate your own financing scenario for a property you own or intend to own. You may print or save output that relates to your own scenario for your personal records.

You may not copy, reproduce, republish, mirror, frame, sell, license, or redistribute any part of this site or its output. You may not scrape, crawl for bulk extraction, data-mine, harvest, or use automated scripts, bots, or headless browsers to access the site or the calculator.

You may not reverse engineer, decompile, or attempt to derive the qualification formulas, guideline matrices, pricing assumptions, or concierge rule set. You may not use any content to build, train, or benchmark a competing product, model, dataset, or machine-learning system.

You may not remove, obscure, or alter any copyright, trademark, confidentiality, or proprietary notice.

All figures produced by the calculator, the concierge, and any pre-qualification or scenario summary are estimates generated from published program guidelines and a placeholder interest-only rate. They are not a loan approval, pre-approval, rate lock, or commitment to lend.

Final loan amount, combined loan-to-value, rate, and eligibility are determined only after full underwriting review, including verification of credit, income or rental cash flow, title, and property valuation. Programs, guidelines, and pricing may change without notice.

This site presents standalone Non-QM second mortgages and HELOCs on investment and rental property only. We do not originate first mortgages, and the programs described are not offered on owner-occupied primary residences or second homes.

Nothing on this site is legal, tax, accounting, or investment advice. Consult your own advisors before entering into any financing transaction or holding title through an entity.

We work to keep guideline information current but do not warrant that the site or its output is complete, error-free, or uninterrupted. The site and all content are provided on an as-is and as-available basis, without warranties of any kind to the fullest extent permitted by law.

To the fullest extent permitted by law, nonqm2nd.com is not liable for any indirect, incidental, consequential, or punitive damages, or for lost profits or lost opportunity, arising out of your use of or reliance on this site or its output.

We may block access, revoke use, and pursue all available legal and equitable remedies — including injunctive relief — against any person or system that violates these Terms. Access is monitored for automated and abusive activity.

We conduct business in accordance with the Equal Credit Opportunity Act and the Fair Housing Act, and do not discriminate on any prohibited basis. Lending programs described here are offered only where we and our lending partners are licensed or exempt from licensing. This is not an offer to lend in any jurisdiction where such an offer would be unlawful.

We may update these Terms at any time. Continued use of the site after an update constitutes acceptance of the revised Terms.