Non‑QM Mortgage Loans

Flexible Solutions Beyond Conforming Loans

Non‑qualified mortgages (non‑QM) are designed for borrowers with strong credit and sizable down payments but unique income profiles. These loans fall outside Fannie Mae and Freddie Mac guidelines, allowing lenders to use alternative documentation and underwriting methods.

If you’re self‑employed, recently started a business, work on commission or have income streams that aren’t easily documented, non‑QM loans provide a path to homeownership. Programs use bank statements, CPA letters, profit and loss statements or even 1099-only verification instead of tax returns.

Program Details

Eligible Borrowers: Self‑employed individuals, gig and seasonal workers, retirees, real estate investors, business owners, newly self‑employed and recent immigrants
Documentation Options: Bank statements (12 or 24 months), CPA letters, profit and loss statements, one‑year tax returns, 1099 income only and asset‑depletion programs
Down Payment: Typically 10–20%; higher for jumbo non‑QM loans
Credit Requirements: Good to excellent credit; alternative credit histories considered
Loan Types: Fixed and adjustable‑rate options; interest‑only payments available
Qualifying: No need for two years of self‑employment history or traditional W‑2 income

Find Out If Non‑QM Is Right for You

Discuss your income scenario with us and learn how a non‑QM loan can provide the flexibility you need to finance your home.

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