Mortgage Solutions Beyond Traditional Guidelines
 

Not every borrower fits neatly into a conventional mortgage. Non-QM loans offer alternative ways to qualify when traditional income, credit, or documentation requirements don't fit your situation.
 

These programs can be especially useful for self-employed borrowers, real estate investors, foreign nationals, and borrowers with unique financial circumstances.
 

Explore Your Options
 

Types of Non-QM Loans
 

Bank Statement Loans
 

Use personal or business bank statements to document income instead of relying solely on traditional tax returns.
 

Ideal for: Self-employed borrowers, business owners, and independent contractors.
 

DSCR Loans
 

Qualify based on the cash flow of an investment property rather than your personal income.
 

Ideal for: Real estate investors purchasing or refinancing rental properties.
 

ITIN Loans
 

Mortgage financing for eligible borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.
 

Ideal for: Borrowers who don't have an SSN but have an ITIN and meet program requirements.
 

Asset Depletion Loans
 

Use qualifying assets to help establish income for mortgage qualification.
 

Ideal for: Borrowers with significant assets but limited traditional income documentation.
 

1099 & P&L Loans
 

Alternative income documentation options designed for self-employed borrowers and independent contractors.
 

Ideal for: Borrowers whose income isn't easily reflected through traditional W-2 documentation.

Foreign National Loans
 

Financing options for eligible international borrowers purchasing U.S. real estate.
 

Ideal for: Foreign buyers purchasing a home or investment property in the U.S.
 

Who Are Non-QM Loans For?

Non-QM financing may be a good option if you are:
 

• Self-employed or a business owner

• A real estate investor

• Using non-traditional income

• A foreign national or ITIN borrower

• Asset-rich but have limited traditional income

• Dealing with a unique financial situation
   

Is a Non-QM Loan Right for You?
 

Non-QM loans offer more flexibility, but they can also have different rates, down payment requirements, and terms than traditional financing.
 

We'll review your financial situation and help identify the program that best fits your goals.
 

Explore Your Options
 

Non-QM programs, rates, terms, down payment requirements, and qualifying criteria vary by lender. Not all borrowers will qualify. Additional restrictions may apply.