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COMMON QUESTIONS
Most Popular Questions
A Non-QM loan is a flexible mortgage option for borrowers who don’t meet traditional lending criteria. It’s ideal for self-employed individuals, investors, and those with alternative income sources.
Yes! Instead of tax returns, we use bank statements, 1099 income, or profit and loss statements to verify your income.
Not necessarily. While a higher credit score helps, we offer options for borrowers with lower credit scores by evaluating their overall financial situation.
The approval process typically takes 7-21 days, depending on the complexity of your loan application.
No, most of our Non-QM loans have no prepayment penalties, allowing you to pay off your loan early without extra fees.
The required documents vary by loan type but may include bank statements, proof of assets, ID, and property details. Our team will guide you through the process.
Yes! We offer Debt-Service Coverage Ratio (DSCR) loans that allow real estate investors to qualify based on their property's cash flow rather than personal income.
Non-QM loans can be used for primary residences, second homes, investment properties, and even commercial properties, depending on the loan program.
We offer both fixed-rate and adjustable-rate Non-QM loan options, allowing you to choose the best fit for your financial goals.
Getting started is easy! Contact us today for a free consultation, and one of our loan specialists will guide you through the process.
Flexible, adaptable, and adjustable plans to fit your needs
Our Non-Qualified Mortgage (Non-QM) loan solutions are designed to work around your unique financial situation. Whether you’re self-employed, an investor, or have non-traditional income, we offer customized mortgage options that provide the flexibility you need to achieve homeownership
