Non-QM Loan Programs
Flexible Mortgage Solutions for Unique Borrowers
Not every borrower fits inside the traditional mortgage box — and that's where Non-QM (Non-Qualified Mortgage) loans come in. Whether you're self-employed, have non-traditional income, or experienced a recent credit event, our Non-QM programs are designed to help you qualify for the financing you deserve.
What Is a Non-QM Loan?
A Non-QM loan is a type of mortgage that doesn’t meet the strict guidelines of a Qualified Mortgage (QM) set by the Consumer Financial Protection Bureau (CFPB). That means more flexibility in how you qualify — with alternative documentation options and customized underwriting.
Who Can Benefit from Non-QM?
Non-QM loans are ideal for borrowers who may not qualify under traditional loan guidelines, such as:
· Self-employed professionals with complex or fluctuating income
· Real estate investors looking to expand their portfolio
· Foreign nationals with limited U.S. credit history
· Borrowers with recent credit events (e.g., bankruptcy, foreclosure)
· High-net-worth individuals using asset-based income
· Gig economy workers and freelancers
Key Features of Our Non-QM Programs
· Bank Statement Loans (12–24 months)
· Asset Depletion Programs
· DSCR Loans for Real Estate Investors
· Interest-Only Payment Options
· Jumbo Loan Options Available
· Lower Credit Score Requirements (as low as 620)
· Recent Credit Events OK (as little as 1 day out)
Documentation Options
We understand not everyone can provide W-2s or tax returns. That’s why we offer alternative documentation such as:
· Personal or business bank statements
· CPA or P&L statements
· Asset statements for asset-based income
· Rental income analysis for investment properties
Why Choose Us?
As specialists in Non-QM lending, we guide you through every step of the process with personalized support and flexible underwriting. We work with a wide range of investors and lenders to match you with the right program — even if you’ve been turned down elsewhere.
Ready to Explore Your Options?
You’re more than a credit score. If you’ve been told “no” by traditional lenders, a Non-QM loan might be the solution you need.
Get Pre-Qualified Today or contact us to speak with a mortgage expert.
Let’s Talk
Have questions about Non-QM loans or want to see if you qualify? Schedule a free consultation or call us at 855-200-8551.