VanDyk Mortgage
Maria Donizetti Loan Originator
Non-QM & Reverse Mortgage Specialist Maria helps borrowers who don’t fit traditional underwriting guidelines—offering alternative loan programs that standard channels don’t provide. Leveraging VanDyk's portfolio lending platform, she structures customized solutions, often holding loans on VanDyk’s balance sheet for flexible terms tailored to each borrower’s real situation. In addition to personalized credit rebuilding plans, Maria is known for her fast, professional, and solution-oriented service throughout the loan process.
As a Reverse Mortgage Specialist, Maria also assists homeowners aged 62 and older in accessing the equity in their homes through reverse mortgages. These loans allow qualified borrowers to convert part of their home’s value into tax-free cash—without having to sell or move. Maria provides education on reverse mortgage options, explains payout structures, and guides clients every step of the way through the application process.
Main Non-QM Mortgage Products
- Bank Statement Loans
For self-employed borrowers using personal or business bank deposits (usually 12–24 months) to verify income instead of tax returns. - 1099-Only Loans
For independent contractors or gig workers qualifying with 1099 forms instead of full tax returns. - Asset Depletion Loans
Uses a borrower's liquid assets (savings, investments, retirement) to calculate income without traditional employment. - Debt Service Coverage Ratio (DSCR) Loans
For real estate investors qualifying based on property cash flow—not personal income. - Interest-Only Loans
Offers lower monthly payments during the interest-only period—commonly used by high-net-worth or investment borrowers. - Recent Credit Event Loans (Credit Event Loans)
Designed for borrowers with recent bankruptcies, foreclosures, short sales, or mortgage lates. - ITIN Loans
For borrowers who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. - Foreign National Loans
For non-resident borrowers purchasing U.S. property without U.S. income or credit history. - No-Ratio Loans
No income or employment documentation required—qualification based on down payment, credit score, and reserves. - WVOE (Written Verification of Employment) Only Loans
For wage earners who can qualify using just a written verification from their employer, bypassing paystubs or tax returns. - Blanket Loans
Used by investors to finance multiple properties under one loan—ideal for portfolio management and simplified servicing. - Bridge Loans
Short-term financing that helps buyers purchase a new home before selling their current one—often used to avoid contingent offers.