Non-QM Loans
Non-QM Loans – When Traditional Loans Don’t Fit
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Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don’t fit inside the box of conventional lending guidelines. These programs focus on the overall financial picture, not just W-2 income or tax returns. Non-QM loans are extremely popular with real estate investors, self-employed borrowers, and anyone with complex income or recent life changes.
Great fit for:
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Self-employed borrowers
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Real estate investors
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Borrowers with recent credit events
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High-income earners with write-offs
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See if your property is eligible for Non-QM financing:
What does Non-QM mean? Non-QM loans don’t follow traditional Qualified Mortgage rules, allowing for flexible documentation and underwriting.
Do Non-QM loans require tax returns? Not always. Many programs use bank statements, asset-based qualification, or rental income instead.
Are Non-QM loans only for investors? No. Both homeowners and investors can use Non-QM loans.
Can I qualify after a bankruptcy or foreclosure? Yes. Non-QM loans often allow shorter waiting periods than conventional loans.
Are interest rates higher with Non-QM loans? Rates can be higher than traditional loans, but they provide access to financing that otherwise wouldn’t be available.