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.