Your 2025 Toolkit: Specialty Mortgage Programs to Empower Your Real Estate Clients

As a valued partner, staying ahead of the game means having the right tools to serve your clients' unique needs. At Diamond Residential Mortgage Corporation (DRMC), we’ve rolled out specialty loan programs designed to address challenges and create opportunities for every type of buyer.

Here’s a closer look at our most impactful offerings for the year ahead.

Physician’s Advantage Loan Program: Zero Down for the Heroes in White Coats

Helping Medical Professionals Achieve Their Homeownership Goals

Doctors, Dentists, and Veterinarians work tirelessly to support others—now, we’re making it easier for them to achieve homeownership. The Physician’s Advantage Loan Program offers benefits tailored to their unique income structures and financial needs:

• 0% Down Payment: Up to $1 million without private mortgage insurance (PMI).
• Expanded Loan Amounts: Up to $2.5 Million with flexible down payment options.
• Flexible Student Loan Guidelines: Ideal for those with significant educational debt.
• Eligible Property Types: Single-family homes (1-2 units), condos, townhomes, and modular homes. Must be a primary residence.
• Future Employment Contracts: Qualify even before starting a new position.

Whether it’s a first home or a luxury upgrade, this program is a game-changer for medical professionals looking to plant roots while managing busy careers.

Diamond Dream Down Payment Assistance (DPA): Unlocking the Door to Homeownership

Making Homebuying a Reality for More Clients

For many buyers, saving for a down payment is the biggest hurdle. Our National FHA Down Payment Assistance Program provides up to 5% in down payment assistance when paired with an FHA first mortgage to eligible buyers.

This program is particularly impactful for:

• Broad Range of Borrowers: Not limited to first-time home buyers - ideal for anyone needing support with upfront costs
• Expanded Property Types: Single-family homes, condos, townhomes, and manufactured homes.
• Moderate-Income Families: Help those overcoming financial barriers to achieve homeownership.

The Diamond Dream DPA isn’t just about affordability—it’s about empowerment, turning potential buyers into homeowners faster. This program is your chance to make a lasting difference in your client’s lives.

Expanded Jumbo Loan Offerings: Luxury Homeownership Made Easy

Solutions for High-Net-Worth Clients

Navigating luxury markets requires flexibility and expertise. Our Jumbo Loan Program is designed for seamless transactions and premium customer experiences:

• Low Down Payment Requirements: Up to 95% LTV.
• Low Reserve Requirements: Flexible qualification standards to support your client's goals
• Alternative Income Solutions: Self-employed borrowers can have complex income scenarios requiring unique solutions
• Competitive Pricing: Keep your clients’ finances optimized.
• Loan Amounts up to $5 Million: Perfect for dream homes or high-value properties.
• In-House Underwriting: Faster approvals for a smoother process.

By removing typical obstacles—like coordinating second loans or waiting on extended approval times—you can serve your clients in the luxury market with speed and precision.

No Ratio Primary Residence Loan: Simplifying Homeownership for Unconventional Earners

Helping Buyers with Alternative Income Streams

Not all clients fit into traditional lending molds. The No Ratio Primary Residence Loan is designed to simplify the approval process for borrowers with hard-to-document income, including:

• Entrepreneurs and Self-Employed Professionals: Streamlined process for buyers with fluctuating or unconventional income streams.
• Commission-Based Workers: Perfect for those whose income varies throughout the year.
• No Debt-to-Income Ratio Requirement: Focus on assets and creditworthiness, not rigid formulas.

This product removes barriers for clients frustrated by traditional lenders, ensuring you can assist a broader range of buyers and keep your pipeline full.

Expanded Non-QM Offerings: Flexibility for Unique Borrowers

Serving Clients with Non-Traditional Financial Profiles

Self-employed clients and buyers with recent credit challenges often find it difficult to secure financing. With our Non-QM (Non-Qualified Mortgage) offerings, you can say yes to more of these clients:

• Tailored Solutions for Self-Employed Buyers: Remove complex tax returns from the equation and calculate income alternatively.
• DSCR (Debt Service Coverage Ratio) and Investor Loan Options: DSCR loans use rental income to qualify instead of personal income, making it easier for real estate investors to secure financing. We also offer specialized loan products to help investors acquire and grow their portfolios.
• Fix and Flip Options: These are programs specifically designed to help investors acquire, renovate, and sell homes quickly and efficiently.
• Credit Recovery Pathways: Help buyers recovering from past financial setbacks.
• Expanded Loan Option Support: DRMC provides financing solutions that traditional lenders overlook. Our team is ready to dig into any scenario to find a path forward for even the most niche situations.

These products give you the tools to close deals that might otherwise fail. They help you expand your client base while positioning you as a trusted resource for buyers in unique circumstances.

2025: Your Best Year Yet

This year, we’re equipping you with programs that give you an edge in every market segment, from helping first-time buyers achieve their dreams to serving high-net-worth clients with sophisticated needs.

Let’s work together to make 2025 your most successful year yet. Connect with Diamond Residential Mortgage Corporation today to learn more about how these tools can help you build stronger client relationships and close more deals.

These loan programs are available as of 2/1/2025 but are subject to change based on market conditions, investor guidelines, and company policies. Loan approval and terms are subject to underwriting guidelines and borrower eligibility. Contact your DRMC Loan Officer for the most up-to-date information.

This is not a commitment to make a loan. Programs, approvals, rates, fees, and loan terms are subject to loan applications, credit risk, appraisal evaluation, underwriting guidelines, and other lending or qualification criteria and limitations, and are subject to change without notice. Not all products are available in all states. Not all borrowers will qualify. Diamond Residential Mortgage Corporation, 582 Oakwood Ave, Lake Forest, IL 60045, (847) 244-9301. NMLS# 186805. For licensing information, go to:? www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/186805.

Diamond Residential Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA, Fannie Mae, Freddie Mac, or any governmental body or agency. Equal Housing Opportunity. Licensed by the Arizona Department of Financial Institutions under Mortgage Banker License #1025098. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Lic. # 4131348.