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Non-QM Loans
Flexible mortgage solutions designed for self-employed borrowers, business owners, and anyone with non-traditional income documentation.
Why Choose a Non-QM Loan?
Non-QM (Non-Qualified Mortgage) loans provide flexible qualifying options for borrowers who may not fit the traditional lending mold. Whether you're self-employed, have complex tax situations, or prefer alternative documentation, we work with multiple wholesale lenders to find a program that fits your unique financial picture.
Programs We Offer
- Bank statement loans — qualify using personal or business bank statements
- Profit & loss (P&L) programs — use a CPA-prepared P&L instead of tax returns
- Asset-based lending — qualify based on liquid assets rather than income
- DSCR loans — for real estate investors based on rental income
- 1099 income programs — for independent contractors and freelancers
- Recent credit event programs — options after bankruptcy, foreclosure, or short sale
Who Is This For?
Self-Employed
Business owners & entrepreneurs
Investors
Real estate portfolio builders
Freelancers
1099 & gig economy workers
Complex Income
Borrowers with non-traditional finances
Ready To Get Started?
Take the first step toward your dream home. Get pre-approved today and find out what you qualify for.