VanDyk Mortgage Tampa
Shawn K Miller Branch Manager
Non-QM Portfolio Loan Specialist Shawn 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, he structures customized solutions, often holding loans on VanDyk's balance sheet for flexible terms tailored to the borrower's real situation. Alongside personalized credit rebuild plans, his team is dedicated to providing fast and professional service to every client. Shawn's performance has consistently placed him in the Top 1% of loan originators nationwide since 2011, and in 2018, he was the first member from his branch to earn VanDyk's President's Club honor.
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, who qualify with 1099 forms instead of complete 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 is 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 late payments. - 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 pay stubs or tax returns. - Blanket Loans
Used by borrowers looking to purchase another primary home and/or for investors to finance multiple properties under one loan—ideal for portfolio management and simplified servicing or to be used similar to a bridge loan for a borrower who is buying a home before they sell their home. - Bridge Loans
Short-term financing that helps buyers purchase a new home before selling their current one, often used to avoid contingent offers.