Flexible Financing for Your Unique Situation

Non-Qualified Mortgage (Non-QM) Loans

Non-QM loans are designed for borrowers who don’t fit the mold of traditional lending. Whether you’re self-employed, an investor, or have a unique financial profile, Mark Howard provides expert guidance to secure a loan that fits your needs. Discover how flexible financing can open the door to your next home or investment property.
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What Are Non-QM Loans?

Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who may not meet the traditional lending criteria of conventional or government-backed mortgages. These loans offer flexible qualification standards, making them an ideal choice for self-employed individuals, business owners, real estate investors, or those with unique income streams. Unlike traditional loans, Non-QM loans consider alternative income verification methods, allowing you to secure financing that fits your financial profile.

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Why Choose a Non-QM Loan?

Non-QM loans provide an excellent solution for borrowers with non-traditional financial situations. Whether you have fluctuating income, recent credit challenges, or need to finance an investment property, these loans offer the flexibility you need. Mark Howard works closely with you to understand your unique circumstances and match you with a loan that aligns with your goals.

 

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Who Are Non-QM Loans For?

Non-QM loans cater to a wide range of borrowers, including:

Self-employed individuals who rely on bank statements to verify income.

Borrowers with high net worth but limited traditional income.

Those with recent credit events such as foreclosures or bankruptcies.

Real estate investors looking for tailored financing options.

The Benefits of Non-QM Loans

Non-QM loans offer several advantages that make them an excellent choice for borrowers with unique financial situations. They provide flexible income verification options, such as using bank statements, asset-based income, or rental income, instead of traditional documentation. These loans also allow for higher debt-to-income (DTI) ratios compared to conventional loans, making them accessible to those with non-standard financial profiles. Additionally, Non-QM loans feature competitive rates and terms that can be customized to fit your specific needs. 
 

How Does the Process Work?

The Non-QM loan process is built around your financial reality rather than rigid traditional standards. Mark Howard will guide you in gathering the necessary documentation, which may include bank statements, proof of assets, or income from rental properties. From pre-approval to closing, Mark ensures the process is efficient and hassle-free, so you can focus on securing the home or property you want.

Why Work with Mark Howard?

Mark Howard has extensive experience helping borrowers with unique financial situations. His personalized approach ensures you feel confident throughout the Non-QM loan process. Whether you’re self-employed, an investor, or navigating a non-traditional income stream, Mark is here to provide expert advice and exceptional service tailored to your needs.

 

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?

A Non-Qualified Mortgage (Non-QM) loan is a flexible financing option for borrowers who don’t meet the strict guidelines of traditional mortgages. These loans are ideal for individuals with unique financial situations, such as self-employed professionals, investors, or those with credit challenges. Non-QM loans use alternative methods to verify income and are not subject to the requirements set by Fannie Mae or Freddie Mac.

Who can benefit from a Non-QM loan?

Non-QM loans are designed for borrowers with non-traditional financial profiles. This includes self-employed individuals who rely on bank statements to show income, investors using rental income, those with high net worth but minimal regular income, and individuals with recent credit events like foreclosures or bankruptcies. If conventional loans don’t fit your situation, a Non-QM loan could be a great solution.

How is income verified for a Non-QM loan?

Non-QM loans allow for flexible income verification methods. Instead of relying on traditional documents like W-2s or pay stubs, lenders may use bank statements, asset-based income, or rental property income. Mark Howard will help you gather the necessary documentation and guide you through the verification process, ensuring it’s as smooth as possible.

Do Non-QM loans have higher interest rates?

Non-QM loans may have slightly higher interest rates than traditional loans because they are considered higher risk. However, rates are competitive and tailored to your specific financial situation. Mark Howard will work with you to find a lender offering the best terms, ensuring your loan remains affordable and aligned with your goals.

Can Non-QM loans be used for investment properties?

Yes, Non-QM loans are an excellent option for financing investment properties. They allow borrowers to qualify using rental income or other non-traditional income streams. Mark Howard has experience working with investors and will help you secure financing that supports your real estate goals.

What are the down payment requirements for a Non-QM loan?

Down payment requirements for Non-QM loans can vary depending on the lender and your financial profile. While some lenders may require 10-20% down, others offer more flexible options. Mark Howard will help you explore the best available options to find a down payment plan that works for you.

What credit score is needed for a Non-QM loan?

Non-QM loans typically have more flexible credit requirements than traditional loans, making them accessible to borrowers with lower credit scores or recent credit issues. While specific requirements vary by lender, Mark Howard will help you navigate the application process and find a lender that accommodates your credit profile.

Are Non-QM loans harder to get approved for?

Non-QM loans are not necessarily harder to get approved for but require more detailed documentation to verify your financial situation. The process is tailored to non-traditional borrowers, which can make it easier if you don’t meet conventional lending criteria. Mark Howard will guide you through every step, making the approval process as straightforward as possible.

How can Mark Howard help with Non-QM loans?

Mark Howard specializes in helping borrowers with unique financial needs secure Non-QM loans. From identifying the right lender to guiding you through income verification and documentation, Mark provides personalized support every step of the way. His goal is to make the process simple, transparent, and tailored to your goals.

Is a Non-QM loan right for me?

If you have a non-traditional financial profile, such as self-employment, inconsistent income, or recent credit events, a Non-QM loan could be the perfect fit. Mark Howard can help you evaluate your options, understand the benefits, and determine if this type of loan aligns with your needs and long-term financial goals.

Have Questions About Non-QM Loans?


Curious if a Non-QM Loan is the right solution for your unique financial situation? Fill out the form, and we’ll provide expert advice tailored to your needs. Whether you’re self-employed, have non-traditional income, or require flexible terms, we’re here to guide you through your options.

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