NON-QM Mortgages

A non-qualified mortgage (NON-QM) is a home loan that deviates from conventional guidelines for qualified mortgages. These loans are designed for borrowers with unconventional financial profiles, such as fluctuating income or recent credit issues and who may not meet the conventional underwriting criteria.

• Our DSCR loan program is specifically designed to assist new and experienced real estate investors in financing their properties, qualifying based on the cash flow generated by the investment – no income, no employment needed.
  
• Our 12/24 Month Bank Statement Loan is a perfect Non-QM loan for the self-employed in 2026. Even if complex tax deductions make their tax returns less than straightforward, this program can provide a clearer picture of their current income or revenue to help them qualify.
  

• Our Full Doc Non-QM loans are a perfect solution for small business owners, investors, or other self-employed individuals who believe they may not qualify for a traditional agency loan.