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Your Quick Guide on Non-QM Loans...
Want to buy an investment property? Need a Non-QM loan?
Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who may not meet traditional lending guidelines but are still creditworthy. These loans offer flexible qualification criteria, making them an ideal option for self-employed individuals, real estate investors, those with non-traditional income sources, or borrowers with recent credit events. Unlike conventional loans, Non-QM loans allow for alternative documentation methods—such as bank statements, asset depletion, or rental income analysis—rather than relying solely on W-2s or tax returns. They do not fit the strict standards set by Fannie Mae or Freddie Mac but are still underwritten using responsible lending practices. Whether you're looking to purchase a new home, refinance, or invest in real estate, Non-QM loans provide more opportunities to access financing tailored to your unique financial situation.
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We’re here to make the loan process a whole lot easier for our borrowers. We have experts who will help guide you along the way! Get started with our FREE Non-QM Loan Qualifier.
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Here’s how our home loan process works:
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Complete our simple Mortgage Application
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Receive options based on your unique criteria and scenario
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Compare mortgage interest rates and terms
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Choose the offer that best fits your needs
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Why choose a
Non-Qm Loan?
There are several options when it comes to NON-QM loans, the main ones are bank statement loans and DSCR loans. The main benefit of these loans is that they give you the ability to buy a home in the event that you don't qualify for a government backed loan such as an FHA or Conventional loan. Plus, you can use this types of loans for not only primary homes, but also second homes, and investment properties. The down payment requirements range between 15% to 25% down. We can help you choose the best option according to the loan amount needed and the type of purchase!