Loan program
Non-QM Loans
Flexible financing for self-employed borrowers, investors and unique income situations.
What type of home loan are you interested in?
All information is secure and will not be sold.
Bank statement loans that use deposits instead of tax returns
DSCR loans for investors, qualified on the property's rental income
Options after a recent credit event
Owning your own business and qualifying for a mortgage can seem like an impossible combination. There is hope. We have a wide range of low and no documentation loans that are a great solution for self-employed home buyers.
Non-QM (non-qualified mortgage) loans fall outside the standard Fannie Mae, Freddie Mac and government guidelines. They exist for borrowers who are financially strong but don't fit the traditional paperwork.
Common Non-QM programs
- Bank statement loans: qualify using 12 or 24 months of personal or business bank statements.
- DSCR loans: for investment properties, qualified by whether the rent covers the payment.
- Asset depletion: qualify based on liquid assets rather than income.
Rates and down payments are typically higher than conventional loans. Bill compares Non-QM against every conventional option first.
Best for: Self-employed borrowers, real estate investors and anyone whose tax returns don't show their real income.
Talk to Bill
Questions about Non-QM Loans?
Send your questions, or a listing you'd like checked for this program. Bill will get back to you the way you prefer.
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What would you like to do?
A few quick questions, about two minutes. It doesn't touch your credit.