Non-QM LoansFlexible Solutions for Every Borrower
Get approved for Non-Qualified Mortgage loans with flexible qualification criteria. Perfect for self-employed borrowers, real estate investors, and unique financial situations. Bank statement programs, asset-based qualification, and alternative income documentation.
Why Choose Non-QM Loans?
Non-QM loans provide the flexibility and alternative qualification methods that traditional mortgages cannot offer, making homeownership accessible to more borrowers.
Flexible Documentation
Use bank statements, asset-based qualification, or alternative income documentation instead of traditional pay stubs and tax returns.
Perfect for Self-Employed
Designed specifically for business owners, freelancers, and entrepreneurs who have irregular income patterns or write-offs.
Competitive Rates
Despite flexible qualification criteria, Non-QM loans often offer competitive rates and terms comparable to traditional mortgages.
Perfect For These Borrowers
Non-QM loans are specifically designed for borrowers who need alternative qualification methods.
Self-Employed Professionals
Business owners, freelancers, and entrepreneurs with irregular income or significant write-offs.
- Bank statement programs
- P&L statement qualification
- Asset-based income
Real Estate Investors
Active investors building portfolios who need flexible qualification for multiple properties.
- DSCR qualification
- Portfolio lending
- No income verification
High-Net-Worth Individuals
Borrowers with substantial assets but unconventional income documentation.
- Asset depletion programs
- Investment income qualification
- Luxury property options
Recent Credit Events
Borrowers with recent foreclosures, bankruptcies, or other credit events.
- Shorter seasoning periods
- Flexible credit guidelines
- Compensating factors
Seasonal Workers
Workers with seasonal or commission-based income patterns.
- Bank statement analysis
- Seasonal income averaging
- Commission-based qualification
Foreign Nationals
Non-US citizens and permanent residents with international income.
- International documentation
- Foreign asset qualification
- Multi-currency income
Calculate Your Non-QM Loan Options
Use our calculator to estimate your potential loan amount, monthly payments, and qualification options based on your unique financial situation.
Qualification Method
Loan Breakdown Visualization
Payment Timeline
Qualification Factors
Non-QM Loan Calculator
This calculator provides estimates based on Non-QM loan guidelines. Actual terms may vary based on your specific financial situation and lender requirements.
Your Estimated Payment
Expert Insights & Tips
Get insider knowledge from our Non-QM loan specialists to maximize your chances of approval.
Documentation Strategy
Organize your bank statements chronologically and ensure all deposits are clearly categorized. Lenders prefer clean, consistent banking patterns.
Pro Tip: Keep separate accounts for business and personal expenses to streamline the review process.
Timing Your Application
Apply when your financial situation is most stable. Avoid applying during seasonal downturns or after major business expenses.
Pro Tip: Quarterly or annual income averaging can help smooth out irregular income patterns.
Credit Optimization
Even with flexible credit requirements, maintaining a higher score can secure better rates and terms on your Non-QM loan.
Pro Tip: Pay down revolving debt before applying to improve your debt-to-income ratio.
Ready to Get Your Non-QM Loan?
Join thousands of successful borrowers who have secured their dream home with our flexible Non-QM loan programs. Get pre-qualified in minutes and take the first step toward homeownership.
24-Hour Pre-Qualification
Quick turnaround on your application
Expert Guidance
Dedicated Non-QM specialists
Competitive Rates
Best available terms and pricing
Disclaimer: Non-QM loans are subject to credit approval and program guidelines. Rates and terms may vary based on individual circumstances and market conditions. Not all borrowers will qualify. Contact us for personalized guidance.