Non-QM Loans
Non-QM (Non-Qualified Mortgage) Loans give brokers the flexibility to secure financing for borrowers who don’t meet traditional lending requirements. These loans are ideal for self-employed individuals and clients with unique income situations, offering alternative qualification methods such as bank statements, asset depletion, or profit and loss statements. With competitive rates, customizable terms, and a streamlined process, brokers can confidently provide tailored financing solutions for their clients.
Credit score
LTV on
Purchase/Refinance
Fully Amortized
Maximum Loan Amount
How It Works
Alternative Income Verification – Borrowers can qualify using bank statements, assets, or profit and loss statements instead of tax returns.
Flexible Loan Options – Choose from a variety of loan terms, including interest-only and adjustable-rate options.
Higher Loan Limits – Access financing for larger loan amounts and unique property types.
Fast & Simple Process – Streamlined underwriting and quick closings to keep your clients moving forward.
Non-QM Loan Programs
Bank Statement Loans – Qualify using personal or business bank statements instead of tax returns.
Asset Depletion Loans – Use liquid assets to qualify without needing traditional income documentation.
Profit & Loss (P&L) Loans – Use a CPA-prepared profit and loss statement as income verification for self-employed borrowers.
