Non-QM Loans
Innovative Mortgage Solutions When conventional Lending Doesn’t Fit
Not every borrower fits inside a traditional lending box, and that’s where our Non-QM (Non-Qualified Mortgage) programs come in. We offer innovative loan options designed to help self-employed buyers, real estate investors, and non-traditional earners secure the financing they need—without the red tape.
What Are Non-QM Loans?
Non-QM loans are designed for borrowers who don’t qualify under standard income or credit guidelines, but are still fully capable of repaying a mortgage. Whether you’re using bank statements, 1099 income, profit & loss statements, or assets, we’ll help structure a loan around your reality.
Program Highlights:
- Standalone or Piggyback HELOAN 2nd Mortgage Options
- 30-Year Fixed, Fully Amortizing Terms – No balloon, no surprises
- Up to 85% CLTV – Flexible for both purchases and refinances
- No Prepayment Penalty – Pay it off early without extra costs
- Primary, Second Homes, & Investment Properties
- Eligible Property Types: SFH, 2–4 units, condos
Income Mortgage Programs That Work for You:
- 12-Month Bank Statement Loans (BKST) – 3 or 12-month options available
- 1-Year Self-Employed OK with 12-month bank statements
- P&L Only Options – Simplify qualifying without tax returns
- WVOE Only – Written Verification of Employment
- 1099-Only Borrowers Welcome
- Asset Depletion Options – Use your liquid reserves to qualify
Credit & Qualification Details:
- Minimum 660 FICO
- Loan Amounts Up to $750,000
- Max DTI: 50%
- No Reserve Requirements
- 24-Month Seasoning in All Departments (BK, FC, etc.)
Non-QM Programs are Perfect For:
✔ Self-employed borrowers without W-2s
✔ 1099 contractors or gig workers
✔ Real estate investors building portfolios
✔ High-net-worth individuals using assets to qualify
✔ Buyers seeking second homes or vacation properties
✔ Borrowers recently out of bankruptcy (3–12 months seasoning)
Contact us to speak to a non-QM loan specialist.
