State page · OR
Mortgage & Non-QM information for Oregon
Company licensing on file with NMLS for E Mortgage Capital, plus Non-QM education and a direct line to Billy Robles.
Licensed originator in Oregon
Billy Robles (NMLS #2751970) is personally licensed in Oregon. Conventional and Non-QM options the company is authorized to offer here can be discussed, subject to current guidelines.
- Mortgage Lending License #ML-5587
Confirm live status: Company NMLS #1416824 · EMC Licensing & Disclosures
Non-QM programs often discussed
- Bank-statement / P&L — self-employed borrowers who do not fit full-doc tax-return underwriting.
- DSCR (investor) — qualification from property cash flow rather than personal DTI, where allowed.
- Asset depletion / utilization — liquid assets converted to a qualifying figure.
- ITIN / foreign national — when the investor program and state rules allow it.
- Jumbo / non-conforming — balances above the current conforming limit for the unit count.
Availability, pricing, prepayment terms, and documentation are investor- and state-specific. This page does not advertise a live rate or a guaranteed approval.
Non-QM lending context in Oregon
Non-QM is a documentation and qualification path — not a single product. In Oregon, the right file usually starts with occupancy (primary, second home, or investment), how income will be shown (full doc, bank statements, or property DSCR), and whether the company and originator are authorized to take the application.
Typical investor overlays include credit floors, reserve months, maximum LTV, and — on many DSCR files — a prepayment schedule. Conventional / QM remains the first look when W-2 or complete tax returns support the payment.
Use the process page to see pre-approval through clear-to-close, then call Billy Robles with the property state and loan purpose.
Oregon origination roadmap (educational)
Visual overview for discussion. Confirm current statutes, agency rules, and investor overlays before relying on any figure.
Video notes
Video for Oregon can be added from the invite updater (YouTube/Vimeo URL or uploaded file).
Until then, call (323) 393-5077 for a live walkthrough.
Next step
Have the property state, occupancy, and a rough loan amount ready.