Not every borrower fits the traditional mold. Non-QM loans offer flexible qualification guidelines for self-employed professionals, investors, and borrowers with unique financial situations who deserve access to competitive mortgage financing.
Non-QM (Non-Qualified Mortgage) loans are residential mortgage products that fall outside the guidelines established by the Consumer Financial Protection Bureau (CFPB) for Qualified Mortgages. They are not inherently riskier -- they simply use alternative methods to verify a borrower's ability to repay.
Traditional mortgages rely heavily on W-2 income, tax returns, and strict debt-to-income ratios. Non-QM loans recognize that many creditworthy borrowers -- from entrepreneurs to real estate investors -- earn and document income differently. These programs provide pathways to homeownership and investment financing that conventional loans cannot.
As your mortgage broker, I have access to a wide range of Non-QM products from multiple lenders, ensuring we find the right fit for your unique financial profile.
Alternative documentation methods beyond traditional tax returns and W-2s.
Access jumbo and super jumbo financing beyond conforming limits.
Qualify based on property cash flow rather than personal income.
Streamlined processes designed for efficiency and speed to close.
Each loan type is designed to serve borrowers whose financial picture doesn't fit neatly into conventional guidelines.
For properties that exceed conforming loan limits. Ideal for luxury home purchases in high-cost markets where standard financing falls short.
Use 12 to 24 months of personal or business bank statements in lieu of tax returns to prove income. Perfect for self-employed borrowers.
Written Verification of Employment allows qualification through an employer letter confirming income, position, and tenure rather than traditional pay stubs and tax documents.
Qualify using a CPA-prepared Profit and Loss statement. Designed for business owners whose tax returns may understate their actual earning capacity.
Mortgage financing for borrowers who use an Individual Taxpayer Identification Number instead of a Social Security Number. Open the door to homeownership for a broader community.
Debt Service Coverage Ratio loans qualify based on the property's rental income relative to its mortgage payment -- not your personal income. The go-to product for real estate investors.
No income verification and no debt-to-income ratio calculation required. Qualification is primarily asset-based, making this ideal for high-net-worth individuals.
Non-QM loans serve a wide range of borrowers whose financial situations don't align with conventional lending standards.
Freelancers, consultants, and independent contractors with non-traditional income documentation.
Entrepreneurs and small business owners whose tax write-offs reduce reported income below what they actually earn.
Portfolio builders and rental property owners who qualify better on property cash flow than personal income.
Non-US citizens looking to purchase property in the United States, including those with ITIN numbers.
Gig workers, commission earners, seasonal workers, and anyone with non-standard income streams that are hard to document traditionally.
Every borrower's situation is different. Let me review your financial profile and match you with the Non-QM program that fits best -- no obligation, no pressure.