Non-QM Loans
Flexible Solutions for Unique Situations
Creative Financing Options for Self-Employed, Investors, and Unique Borrowers
Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who don’t fit the traditional lending mold. They use alternative ways to verify income, making them a great option for self-employed individuals, investors, or anyone with non-traditional income sources.
Common Types of Non-QM Loans:
Bank Statement Loans – Qualify using bank deposits instead of tax returns.
1099 Income Loans – Perfect for independent contractors.
Asset Depletion Loans – Use savings or investments as income.
DSCR Loans – For real estate investors, based on rental income.
Foreign National Loans – For non-U.S. residents buying in the U.S.
Recent Credit Event Loans – After bankruptcy, foreclosure, or short sale.
If traditional mortgage requirements don’t work for you, a Non-QM loan may open the door to homeownership or investment opportunities.
Why Choose a Non-QM Loan?
Non-QM loans are perfect if you don’t meet traditional mortgage requirements but still have the income, assets, or credit to qualify in other ways. They give you more flexibility—whether you’re self-employed, an investor, recently had a credit event, or have income that’s hard to document.With a Non-QM loan, the focus is on your full financial picture, not just a W-2 or tax return.
Your Home Loan Could Be Fully
Funded 30 Days From Now
Fixed Rates
Adjustable Rates Mortgage (ARM)
Conventional Loans
Non-QM loans
FHA & VA Loans
