If your income doesn’t show up neatly on a W-2 or tax return, a traditional lender may not see the full picture. Non-QM loans look at your actual ability to repay, using bank statements, rental income, assets or other documentation instead.
I’ll help you compare Non-QM options side by side, explain the tradeoffs in rate, down payment and terms, and find the program that fits how you actually earn. Non-QM loans can be used to buy a home or to refinance one you already own.
Common Non-QM options include bank statement loans, DSCR investor loans, asset-depletion loans, interest-only loans, and jumbo Non-QM financing.
If you have strong cash flow but don’t fit inside the conventional mortgage box, Non-QM lending provides flexible, responsible solutions to help you buy or refinance residential and investment properties.
