Can’t get the mortgage you want?

For those who do not meet the lending guidelines for Qualified Mortgage loans

Is a Non-QM loan right for me?

Non-Qualified Mortgage (Non-QM) loans are typically for borrowers with unique income qualifying circumstances. There are millions of people who may have the income but don’t qualify with their tax returns, W-2s or pay stubs alone.

What are the type of Non-QM programs?

There are a few different types of non-qualified mortgages that you may qualify for, depending on your exact circumstances and how you are trying to qualify.

Some popular non-qualified mortgage programs are bank statement qualification programs and DSCR Non-Owner Occupied Investment programs.

Borrowers within one of the following categories may benefit from a non-qualified mortgage:

  • Self-Employed Borrowers
  • Real estate investors
  • Qualify for an investment property solely off the property’s cash flow
  • Foreign Nationals
  • Prime Borrowers
  • Borrowers with significant liquid assets
  • High debt-to-income situations
  • Non-Traditional income sources

Why a Non-QM Loan?

If you’re underwater on your conforming, conventional mortgage, you may be eligible to refinance without paying down principal, and without having to pay mortgage insurance.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Keep Your Home
  • Terms from 5 to 30 Years