Not every borrower fits the traditional mortgage model, and that’s where Non-QM (Non-Qualified Mortgage) loans come in. These programs offer alternative financing solutions for self-employed individuals, real estate investors, and those with unique income structures who may not qualify under standard loan guidelines.

Who Can Benefit from Non-QM Loans?

• Self-Employed Borrowers – Use bank statements instead of tax returns.
• Real Estate Investors – Utilize rental income instead of personal income verification.
• High Net Worth Individuals – Qualify using Asset Depletion instead of standard income documentation.
• Recent Credit Events – Flexible options for borrowers with bankruptcies, foreclosures, or late payments.

Key Benefits of Non-QM Loans

✅ Flexible Income Verification – No tax returns required in many cases.
✅ Higher Loan Limits – Ideal for jumbo loan borrowers.
✅ Alternative Credit Assessment – Approval based on overall financial profile, not just credit scores.

Is a Non-QM Loan Right for You?

If traditional loan requirements don’t align with your financial situation, a Non-QM loan may provide the flexibility you need. Let’s explore your options today!