I have found Oak Tree to be the best Non-QM lender who has the most common sense team, weather management or underwriting. Just did one primary purchase with bank statement program, and it was a difficult loan, due to some confusions from some documents from seller however Oak Tree team lead MITCHELL PINKWASSER, Account executive JAY BEACH and MARC NIELSEN, did go above and beyond and not only they made it a very smooth transaction but they completed the closing process in time. Client is happy as well for getting a great rate for Non-QM and is ready to buy an investment house already. Thank You MITCHELL PINKWASSER, JAY BEACH and MARC NIELSEN