Flexible home loans for self-employed buyers, investors, and anyone whose income doesn't fit a standard checklist.
Get StartedNon-QM stands for "non-qualified mortgage." It's a home loan that uses flexible ways to verify your income and finances instead of standard bank guidelines. That might mean using bank statements, 1099s, rental income, or your savings. For many buyers, it's the smartest first choice, not a last resort. If your income is strong but doesn't fit neatly on a pay stub, we'll help you find the loan that fits.
Use bank statements, 1099s, a profit and loss statement, rental income, or your assets instead of only W-2s and tax returns.
Self-employed, a business owner, a freelancer, or an investor? We'll match you with a program designed for your situation.
No confusing jargon. We'll explain your options, the documents you'll need, and the tradeoffs so you can decide with confidence.
Non-QM loans can have higher rates or larger down payments. We'll show you how they compare to VA, FHA, and conventional loans so you can choose what's best for you.
A Non-QM loan may be a great fit if you:
Pick the way you want to show your income and we'll find the loan that fits.
Qualify using your bank deposits instead of tax returns.
Qualify using your 1099 income.
Qualify using a professionally prepared profit and loss statement.
Qualify using the rental income a property earns.
Qualify using your savings and investments.
Qualify with a letter from your employer.
A path to homeownership with an ITIN.
For buyers living outside the U.S. who want to purchase a home here.
A more tailored review of your finances.
We'll help you compare both so you can choose what's best for you.
| Standard bank loan | Non-QM loan | |
|---|---|---|
| How income is checked | W-2s, pay stubs, tax returns | Bank statements, 1099s, rental income, assets, and more |
| Best for | Steady, salaried income | Self-employed, investors, and non-traditional income |
| Flexibility | Fixed guidelines | More ways to qualify |
| Possible tradeoffs | Fewer options if your income is complex | Rates and down payment requirements may be higher |
We believe in being upfront. Non-QM loans aren't the best fit for every buyer, and if a standard, VA, or FHA loan works better for you, we'll tell you.
Four simple steps, with a real person guiding you through each one.
We know Non-QM loans well. We'll help you find the one that fits how you earn.
Apply online, or contact us directly and we'll help you get started.
We'll tell you exactly what we need, such as bank statements, 1099s, or a profit and loss statement.
We'll walk you through your loan terms so you can move into your home with peace of mind.
A Non-QM loan is a home loan that uses flexible ways to verify your income and finances instead of standard bank guidelines. Non-QM stands for non-qualified mortgage. Instead of relying only on W-2s and tax returns, we can look at things like bank statements, 1099s, rental income, or your assets.
People who may not meet traditional financing requirements due to financial circumstances, employment, homebuying situation, type of home being purchased, or the high cost of the home. That includes self-employed buyers, investors, and buyers with strong savings but less regular income.
Yes. Self-employed buyers are one of the most common Non-QM borrowers. Depending on your situation, we may be able to use bank statements, 1099s, or a profit and loss statement instead of tax returns.
Not always. Some Non-QM programs use other documents, such as bank statements or rental income, instead of tax returns. Requirements depend on the program.
Non-QM loans can be a beneficial option for many borrowers, but they aren’t best for everyone. They give you more flexible ways to qualify, which may be the difference between being a house hunter or a homeowner. Since they don’t follow traditional guidelines, lenders consider them riskier and may require a higher down payment, higher interest rate and other terms to lower that risk. Talk to our team to discuss what’s right for you.
Yes. Investor cash flow (DSCR) loans let you qualify using the rental income the property earns.
Working with Garrett and his team was an outstanding experience from start to finish. They were knowledgeable, professional, patient, and always available to answer my questions throughout the entire home buying process. They kept me informed every step of the way, explained everything clearly, and made what could have been a stressful experience feel smooth and manageable. I truly appreciated their honesty, responsiveness, and dedication to helping me secure the best loan for my new home. I highly recommend him to anyone looking for a trustworthy and reliable loan officer.
Read 100+ More Reviews on GoogleGarrett was an awesome resource helping us along the way to finding our perfect home at the best price for us! He put in the extra effort to make sure we were competitive during offering, and that everything was on time for closing. I highly recommend!
Read 100+ More Reviews on GoogleGarret was extremely knowledgeable and went above and beyond to support us with our home buying experience. He helped us move quickly to qualify and complete a short escrow on time. With the help of Garrett and his team, we were able to beat out an all cash offer on the home we wanted and get our loan approved quickly at a competitive rate. I would definitely recommend him to other friends and family looking for a lender.
Read 100+ More Reviews on GoogleI cannot thank this team enough for all of their hard work and effort to make this happen for me. It was a pleasure working with each team member because they were professional, Efficient and considerate of my time. Garrett was patient and spent so much time explaining things to me in a way that I would understand. He answered all of my questions no matter how big or small. Sam is an absolute blessing, I’m so grateful to have met him. I can go on and on about this team and how amazing they were to me but I truly cannot thank them enough for all that they’ve done for me.
Read 100+ More Reviews on Google“The team was amazing to work with. Professionalism, transparency, and an extreme sense of urgency to do what needs to get done on time. They also have a great portal to upload all necessary documentation to help maintain data security. If I had more stars I would score the company higher. They helped us purchase a dream second home, and we couldn't be happier. I've worked with many other lenders in past, and these people are by far the best! I won't think twice before working with them again.”
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Read 100+ More Reviews on Google“From the beginning to the end of our escrow, everyone on the team was absolutely amazing! In our previous home purchase, we had a horrible experience with our lender and were very apprehensive going forward. But everyone we worked with was professional, helpful, and always available! We felt supported every step of the way and everyone was just so kind and easy to work with! I would HIGHLY recommend this team to anyone going forward!!! We couldn't be more happy!”
Read 60+ More Reviews on Yelp“The team is absolutely fantastic! I would highly recommend them for both a new purchase and a refinance, I have done both with them. They are extremely attentive and kept me updated every step of the way, whether is was from cool video emails to responding to my evening questions. They got me a fantastic rate and made the process very painless, both times!”
Read 60+ More Reviews on Yelp“I worked with this mortgage company to get a loan done quickly. I was closing on a foreclosure from a reverse mortgage. They got things done on time, they communicated perfectly through the process, they took away stress and worry for me. A+ highly recommend using them to make a stressful time/buying a home easier.”
Read 100+ More Reviews on Google“My mortgage was not the normal garden variety. The team did an amazing job. The process was fast, clean and easy. Immediate response to any question/concerns. I could not be happier in their performance. Thanks everyone.”
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We know getting a mortgage can be overwhelming and that you’re worried about making the right decision. Fortunately, though you might not do this every day, we do – and we’re here to help! Book a free consultation so you can get one-on-one support as you navigate the biggest financial decision of your life.
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