🧾 Non-QM Mortgage Loans
“Flexible mortgage solutions for real life — no W-2s, no problem.”
📘 What Is a Non-QM Loan?
A Non-QM (Non-Qualified Mortgage) is a home loan that falls outside standard government or agency guidelines (like Fannie Mae or FHA). These loans are designed for borrowers who may not qualify based on traditional income documentation — but still have the ability to repay.
Whether you're self-employed, an investor, or have complex finances, Non-QM loans offer real flexibility to fit your unique situation.
🧑💼 Who Are Non-QM Loans For?
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✅ Self-employed borrowers without W-2s or pay stubs
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✅ Real estate investors qualifying based on rental income
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✅ Retirees with high assets but low monthly income
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✅ Business owners with seasonal or irregular earnings
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✅ Borrowers with recent credit events (bankruptcy, foreclosure, etc.)
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✅ High-net-worth individuals using asset-based income
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✅ Foreign nationals investing in U.S. real estate
🏠 Common Non-QM Loan Types
| Loan Type | How It Works | Learn More |
|---|---|---|
| Bank Statement Loans | Qualify using 12–24 months of business deposits | Self-Employed Loan Options |
| DSCR Loans | Qualify based on rental income — not personal income | DSCR Investor Loans |
| Asset Depletion Loans | Turn retirement or investment assets into qualifying income | Asset-Based Programs |
| Interest-Only Mortgages | Pay interest only for initial years — lower payments | Non-QM Refinance |
| Foreign National Loans | No U.S. credit required — qualify using foreign docs | Investor & Non-U.S. Resident Options |
| ITIN Loans | Use an Individual Taxpayer Identification Number | Page coming soon |
💡 Why Choose Non-QM?
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No W-2s, tax returns, or standard employment docs
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Expanded credit and debt-to-income flexibility
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Available for primary, second homes, and investments
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Loans up to $5 million or more
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Can be used for purchase, refinance, or cash-out
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Titles can be held in LLC or Trust (especially for investors)
🧠 Common Questions
Is a Non-QM loan subprime?
No. Non-QM loans are for creditworthy borrowers who just don’t fit traditional guidelines. Many have high credit scores and strong assets.
Do Non-QM loans have higher rates?
They can, but the tradeoff is flexibility. Rates are still competitive — especially for borrowers with strong profiles.
Can I refinance with a Non-QM loan?
Yes — many borrowers use Non-QM to refinance, cash out, or transition away from hard money or short-term investor loans.
Can I close in an LLC?
Yes. Many Non-QM lenders allow investor properties to be held in an LLC or revocable trust.
🔗 Related Pages
📞 Ready for a Smarter Mortgage Solution?
We’ll help you qualify based on real life — not just pay stubs or tax forms. Whether you're self-employed, building a portfolio, or need flexible underwriting, we’re here to guide you.
🔵 [Apply Now]
📞 [Talk to a Non-QM Specialist]
🔒 Disclosure
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Not all applicants will qualify. Rates, terms, and program availability may vary. Additional documentation may be required.
Let me know if you want this connected into your Investor Options Hub, DSCR Hub, or even the Refinance page, and I’ll update the related links and internal linking strategy for you.