If you are self-employed, a business owner, or an investor with non-traditional income, standard mortgage guidelines can make qualification needlessly difficult. Non-QM (Non-Qualified Mortgage) loans provide flexible alternative underwriting options that look beyond traditional W-2s and tax returns. If you have solid cash flow and financial strength but don’t fit into a standard lending box, a Non-QM loan is built for your situation.
Loan Programs
Non-QM Loans
Is A Non-QM Loan Right For You?
Benefits Of A Non-QM Loan
- Qualify using bank statements, P&L statements, or asset depletion instead of tax returns
- Tailored specifically for entrepreneurs, self-employed individuals, and gig-economy workers
- Flexible debt-to-income (DTI) guidelines and custom qualification structures
- Higher loan limits available for luxury properties and unique real estate investments
- Designed to offer streamlined approval without rigid traditional paperwork
Non-QM Loan Eligibility Requirements
- Alternative income verification (typically 12 to 24 months of personal or business bank statements)
- Flexible credit score requirements evaluated on a case-by-case scenario
- Down payment requirements generally starting between 10% and 20% depending on the program
- Available for primary residences, secondary homes, and investment properties
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