Non-QM Loans

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who may not meet the stringent criteria set by traditional qualified mortgage programs.

Key Features:

  • No income No DTI
    Made for investors buying investment properties

  • Bank Statement Program
    Made for self-employed business person buying property by providing 12 OR 24 month bank statement options.

  • Program made for people who have 1099 Income only No Tax returns needed

  • Program made for people who had Bankruptcy, foreclosure, short sale, only 2 years out
    also allows late payments

  • Asset Qualifier – No DTI No Income – Assets ONLY - Must have 500K in assets

  • Recent 1 Year income documentation program for self-employed people who are running business from last 5 years.

  • Self employment program with less than 2 year of self employment but more than 1 year.

  • We will lend on 1 day out of Bankruptcy (chap 13 file date).

  • 500 FICO scores competitive QM rates, quick turn times sometimes less than 24 hours

  • For those seeking investment property purchases, a 25% down payment suffices without any additional income documentation required.

  • Short-term rental properties accepted

  • Asset qualifier allow which uses only assets no income

  • Non-warrantable Condos-Allowed.

Non-QM loans fill a gap in the mortgage market, catering to individuals with unique financial situations, making homeownership or property investment feasible for those who don’t fit within the strict criteria of traditional qualified mortgages.

Get Started Today!

Choose an option below to start today!