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Looking for a home loan, but don’t qualify on other loan programs? A non-QM loan might be for you. Non-QM loans can qualify you for a home loan based on alternative methods. We can do a bank statement loan, no-income investment loan, Interest-only loan and so many more! These loans are great for business owners, investors, retirees, or anyone who makes income from other sources then a normal job.


What does non-QM loan stand for?

“Non-QM” stands non-qualified mortgage, this is a type of loan that doesn’t conform to certain eligibility and loan structure standards set out by the federal government(IE: Conventional, FHA &VA).

Are non-QM loans safe?

Yes, non-QM loans are safe. The Lender will evaluate your ability to pay off the loan. Typically they accept alternative documents as proof of repayment.

Which borrowers benefit most from non-QM loans?
  • Have higher DTI ratios, but can still afford to pay a mortgage
  • Don’t have the specific documentation required by most traditional mortgage lenders ( Alt Doc)
  • Those looking to get qualified solely off of deposits/bank statement ( Bank statement)
  • Borrowers looking for interest-only mortgage loans, which can be useful for those looking to quickly flip a house or otherwise don’t plan to keep the property for a long period of time.

Non-QM loans can make it possible for non-traditional income earners to qualify for mortgage loans. While the lender may still assess your financial markers, such as income and DTI, you may still be able to qualify for a non-QM loan whose structure and/or requirements don’t quite meet the standards set out by the government.

Contact us

With access to over a dozen banks and investors, let us do the heavy lifting for you when it comes to your home loan.
Contact us now for a free consultation today, whether you are ready to buy or refinance your home orIf you just want to know what it takes to get started – we’re here to get you to the Next Level.

Contact us now for a free consultation.

Whether you're ready to buy or refinance or if you're planning for the future - We're here to get you tothe Next Level.

With an extensive network of banks and investors, let us do the heavy lifting for you when it comes tofinding the perfect loan for your perfect home.