About Us

Welcome to NonQMLending.com, the trusted source for Non-Qualified Mortgage (Non-QM) loan programs designed for borrowers who need creative, alternative financing solutions. Our mission is simple: to provide mortgage options that traditional lenders can’t offer, helping self-employed borrowers, real estate investors, and individuals with unique financial situations achieve their goals.

Who We Are
At NonQMLending.com, we are mortgage professionals who specialize exclusively in Non-QM loan programs. Unlike banks and traditional lenders that rely on strict underwriting guidelines, we take a common-sense approach to lending, focusing on real-world financial strength instead of rigid documentation requirements.

What We Offer
Our entire platform is dedicated to Non-QM mortgages, and nothing else. If you don’t fit the conventional mortgage box, you’re in the right place. We offer a full range of innovative loan programs, including:

• DSCR Loans (Debt Service Coverage Ratio) – Perfect for real estate investors who qualify based on rental income, not personal income.
• Fix and Flip Loans – Short-term financing for property renovations and quick resales.
• Bank Statement Loans – Qualify using 12–24 months of bank statements instead of tax returns.
• Foreign National Loans – Designed for international buyers investing in U.S. real estate.
• 1099 Only Mortgage Program – Great for independent contractors who earn income through 1099 forms.
• P&L (Profit and Loss) Only Program – Qualify with a CPA-prepared Profit and Loss statement.
• Bridge Loans – Short-term funding to help you transition between properties without delay.

Every program is built for creativity, giving you the ability to purchase or refinance without the traditional income documentation.

Why Us?

• Exclusive Focus on Non-QM Lending – This is our specialty, and we know it inside out.
• Tailored Solutions – Programs designed for real-world borrowers, not rigid checklists.
• Fast, Simple Approvals – We streamline the process so you can close quickly.
• Expert Guidance – Our team understands complex financial profiles and knows how to structure loans for approval.

Our Commitment
We believe that every borrower deserves access to mortgage solutions that fit their life, not just the bank’s rules. Whether you’re a self-employed professional, a real estate investor, or someone with non-traditional income, NonQMLending.com is here to make your financing process simple, transparent, and successful.