Non-QM

Loans

What are Non-QM Loans?

Your income doesn’t have to fit in a box. Non-QM loans are built for self-employed borrowers, investors, and anyone with unique financials. We use bank statements, assets, or business financials (P&L) to qualify you — not just W-2s.

Non-QM Loan Guidelines

Designed for borrowers who don’t meet traditional lending standards.
Accepts alternative income documentation (like bank statements or 1099s).
Flexible debt-to-income ratios.
Credit score requirements vary depending on loan structure.
Can be used for investment or owner-occupied properties.

Is a Non-QM Loan Right For You?

You’re self-employed or own multiple businesses.
You have inconsistent income or significant write-offs.
You’ve recently experienced a credit event (bankruptcy, foreclosure, etc.).
You want flexibility beyond conventional loan requirements.