Non-QM
Loans designed for buyers outside the conventional box
Get approved even if conventional loans don’t fit — with flexible Non-QM options like 1099 Loans, Bank Statement Loans, P&L Loans, Asset-Based Loans, and other creative mortgage solutions
Loan Options for the Self-Employed, Investors, and Foreign Nationals
Non-QM loans provide flexible solutions when conventional and government programs say no. They’re the go-to option for self-employed borrowers, property investors, or anyone with complex income documentation or verification needs.
Non-QM benefits
- Approval even if traditional income verification doesn’t fit standard guidelines.
- Ideal for business owners with irregular or complex income.
- Finance unique or non-traditional properties.
- Options for borrowers with non-conforming credit histories.
- Accepts bank statements, asset-based income, or other non-standard proofs.
- Streamlined processes for qualified applicants.
Qualification criteria
- Self-employed, irregular, or complex income documentation accepted
- Flexible credit requirements—typically lower than conventional loans.
- Single-family homes, multi-unit properties, investment properties, and unique or non-traditional properties.
- Higher DTI ratios may be considered compared to conventional loans.
- Options available for foreign nationals and non-permanent residents.