Non QM Loans

Non-QM Loans: Flexible Financing for Unique Situations. Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don’t fit the strict guidelines of traditional “Qualified Mortgages” (QM loans), such as those backed by Fannie Mae, Freddie Mac, or government programs like FHA and VA. These loans offer greater flexibility in underwriting, making homeownership accessible for:

• Self-employed individuals — Qualify using bank statements or assets instead of tax returns.
• Real estate investors — Options like DSCR (Debt Service Coverage Ratio) loans focus on property income.
• Borrowers with non-traditional income or credit histories — Alternative documentation methods available.

While Non-QM loans often come with higher interest rates and larger down payment requirements compared to conventional mortgages, they provide viable paths to financing when standard options fall short. Our experienced team specializes in Non-QM products tailored to your needs.

Contact us today for a personalized consultation and see if a Non-QM loan is right for you!