FOR HOME BUYERS and HOME OWNERS
Non-QM Loan: Flexible Financing Beyond Traditional Guidelines
Non-Qualified Mortgage (Non-QM) loans are ideal for borrowers who don’t meet conventional lending guidelines. Whether you’re self-employed, using asset-based income, or recovering from recent credit events, Non-QM loans offer flexible approval paths.
A home loan you can count on.
Alternative Income Verification
Use bank statements, assets, or rental income.
Credit Fleixibility
Recent credit events allowed (bankruptcy, foreclosure, etc.).
High Loan Limits
Perfect for jumbo or luxury homebuyers.
Interest-Only & ARM Options Available.
Guidelines for this Loan
If your details are close to these guidelines, we encourage you to apply or contact us. Even if you don’t qualify for an adjustable-rate mortgage, we could have other options for you.
Estimate and Explore
Calculators are a great way to learn and see what’s possible.
Down Payment Calculator
Learn how much cash you need to buy the home in your mind.
Get More In-Depth Details
Articles that give you more information about this loan and explain how mortgages work.
Frequently Asked Questions
Answers to questions about this loan we heard from people like you during research.
What Makes a Loan Non-QM?
It doesn’t conform to Fannie Mae or Freddie Mac underwriting rules but still meets sound lending standards.
Can I Use Assets to Qualify?
Yes. Asset depletion allows you to qualify using liquid assets instead of monthly income.
Is There Mortgage Insurance?
Not typically. Non-QM loans often skip MI even with lower down payments.
What If I Had a Bankruptcy?
Some lenders allow Non-QM loans as soon as 1–2 years after a major credit event.
Are Non-QM Rates Higher?
Slightly higher than conventional, but much more flexible with underwriting.
