Carrington Mortgage Services Wholesale
As a pioneer in Non-QM lending, Impac Mortgage has originated and acquired over $90 billion in loans since 1995. Since 2014, the Company has spearheaded the reemergence of this sector by actively promoting market acceptance of next generation products and structures, originating over $3 billion of alternative Non-QM loans. Impac Mortgage is uniquely positioned to build upon its standing as the recognized leader in the creation of responsible alternative loan products that satisfy both consumer need and capital market demand.
What We Love About Them
  • Extensive Non-QM product offerings for both wholesale and correspondent channels
  • New Premier series of Non-QM loan programs featuring lower rates and better pricing
  • iPrice: Instant loan pricing engine
  • Partnerships that include personalized sales training and product support
  • Experienced sales and underwriting teams that can approve your scenarios quickly 
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  •  4.99% floor rate
  •  Qualify with just 12 months personal, business or co-mingled bank statements
  • No tax returns required
  •  Loan amounts to $3.0MM and cash out up to $2.5MM
  •  Terms: 15 & 30 year fixed, 5/1, 7/1, 10/1 ARMs with available I/O options 
  •  Up to 90% LTV with 680 FICO
A borrower with a 25% or greater ownership interest in a business is considered self-employed. All states (including DC) are eligible except DE, MA, ME, RI, WY. Interest only options available on all ARMs. No I/O in Illinois. 
Here's What Brokers Are Saying
“George Ramirez of Impac is your true partner. I had a complex file and George worked alongside with me to brainstorm and close the deal together. He was incredibly proactive and responded to phone calls and texts even after hours – thank you IMPAC! Highly recommend working with them. They are one of the earliest Non-QM lenders and definitely know their stuff. Work with George and IMPAC – you won’t regret it!” 
Ester C., Broker Client, Santa Clara, CA
“Impac did an amazing job on a very complex file. Michael and his team were extremely professional and accommodating during a very busy time for me. The extra effort and assistance provided to me to get the loan to closing was exactly what I was looking for.”
Scott S., Broker Client, Conroe, TX
Disclaimer text: Copyright ©2019 Impac Mortgage Corp. NMLS #128231. Rates, fees and programs are subject to change without notice. Other restrictions may apply. Information is intended solely for mortgage bankers, mortgage brokers, financial institutions and correspondent lenders. Not intended for distribution to consumers, as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. Licensed by the Department of Business Oversight, under the California Residential Mortgage Lending Act (License #4131083). In the state of New York, Impac Mortgage Corp. dba Excel Mortgage.
Impac Mortgage Corp. 19500 Jamboree Road, Irvine, CA 92612

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