Financing Beyond the Norm

Non-QM Loans for Unique Borrowing Needs 🔑

Designed for self-employed, investors, and others who need a customized mortgage solution.

Curious About Non-QM Loans? – Discover Flexible Mortgage Options 📈

Non-Qualified Mortgage (Non-QM) loans offer a flexible alternative for borrowers who may not meet traditional lending criteria. Unlike conventional loans that require strict income and credit documentation, Non-QM loans provide options for self-employed individuals, investors, or those with unique financial circumstances.

Non-QM loans are designed for borrowers who fall outside the traditional guidelines, such as those with irregular income, a need for asset-based qualifications, or recent credit events like bankruptcy. These loans offer flexible terms and underwriting that look beyond standard income verification methods.

Whether you're looking to buy a home, refinance, or invest in real estate, Non-QM loans provide a tailored solution for non-traditional borrowers.

Need guidance on your homebuying journey? Fill out the form, and we’ll help you navigate the process with confidence!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Flexible Mortgage Solutions for Unique Financial Needs – Non-QM Loans

Non-QM Loans – Tailored Mortgage Options for Non-Traditional Borrowers

Non-QM loans provide a flexible mortgage solution for those who don’t fit traditional lending criteria. Whether you're self-employed, an investor, or have unique financial needs, Non-QM loans offer customized options with flexible terms. Explore how a Non-QM loan can work for you today!

What is a Non-QM loan, and how is it different from a conventional loan?

A Non-QM loan is a mortgage that doesn’t meet the strict lending criteria of a qualified mortgage (QM). It offers flexibility for borrowers with non-traditional income, irregular financial situations, or those who need alternative documentation to qualify.

Who is a Non-QM loan suitable for?

Non-QM loans are ideal for self-employed individuals, investors, or borrowers with complex financial profiles. They’re also suitable for those with recent credit events like bankruptcy or who are looking for alternative income documentation.

Do Non-QM loans have higher interest rates?

Non-QM loans may come with slightly higher interest rates compared to conventional loans because they present a higher risk to lenders. However, the flexible qualifying criteria can be a valuable trade-off for many borrowers.

What type of documentation is required for a Non-QM loan?

Unlike traditional loans, Non-QM loans accept alternative forms of documentation. This can include bank statements, asset-based qualifications, or other non-traditional proof of income, depending on the lender's requirements.

Can I use a Non-QM loan for investment properties?

Yes, Non-QM loans can be used for a variety of purposes, including purchasing investment properties, refinancing, or even financing multiple properties for real estate investors.