Non-QM Loans
Flexible Mortgage Solutions for Unique Financial Situations
Descriptions
Not everyone fits the traditional mortgage mold and that’s okay. Our Non-QM Loan Program is designed for borrowers with non-traditional income, complex finances, or unique circumstances. Whether you’re self-employed, a real estate investor, a foreign buyer, or have a past credit blemish, Non-QM loans offer flexible qualification methods that can make homeownership possible
Instead of relying solely on tax returns and strict underwriting rules, Non-QM loans use alternative verification methods like bank statements, asset-based income, or projected rental income opening doors for buyers who may not qualify for conventional financing.
- Loan amounts up to $2.5 million
- Fixed-rate and adjustable-rate options available
- No mortgage insurance required
- Can be made to individuals or legal entities (e.g., family trusts)
- Cash-out refinance options up to $500,000
- Flexible income verification (bank statements, asset statements, etc.)
- Available for primary, secondary, or investment properties
- Fast closing timelines comparable to conventional loans
- Helpful for borrowers with prior bankruptcies, foreclosures, or limited credit history
We’re with you from application to closing, making the mortgage process simple, clear, and stress-free.
Enjoy one-on-one guidance with a personal loan expert who knows your needs and keeps you informed at every stage.
Get competitive rates and cost-effective solutions tailored to fit your budget and goals.
Talk with a Lending Specialist.
Get expert advice and personalized solutions for your mortgage needs.
How it Works
Let us help you get into your new home fast, simple, and stress-free.
Our step-by-step process is designed to take you from dream to keys in hand, without confusion or delays. We handle the hard work so you can focus on what matters most finding your perfect home.
We start with a friendly, no-pressure conversation to understand your goals, budget, and timeline. This is where we map out the best mortgage options for your needs.
We’ll guide you through gathering the necessary documents making it quick, easy, and hassle-free. Our secure systems keep everything safe and organized.
Our experts review your application and match you with the right loan program. Once approved, we lock in the best rate possible for you.
Funds are released, paperwork is finalized, and you get the keys to your new home. Congratulations you’re officially a homeowner!
Pay off early, no penalties just savings.
We believe in giving you financial freedom that’s why we never charge prepayment penalties, allowing you to pay off your mortgage early and save on interest without worrying about extra fees.