Non-QM Loans
Non-QM Loans
Flexible financing for borrowers who don't fit the standard box - self-employed, investors, and those with unique income or recent credit events.
Non-QM programs we offer
- Bank statement loans - 12-24 months of deposits.
- 1099-only - qualify on your 1099 income.
- DSCR loans - investment property cash flow.
- P&L only - CPA-prepared profit & loss.
- Asset-based - qualify on liquid assets.
- Interest-only options for cash-flow flexibility.
Non-QM (non-qualified mortgage) simply means the loan doesn't meet the standard agency box - not that it's risky. These are common-sense programs for real borrowers. Let's structure the loan around how your income actually works.