Specialty Loan Programs to Fit Your Projects and Finances

A Non-QM (Non-Qualified Mortgage) is a loan designed for borrowers who don’t fit the traditional lending mold — self-employed individuals, real estate investors, retirees, and anyone whose income doesn’t show up neatly on a tax return. If a conventional lender has turned you down, a Non-QM loan may be the solution.

Potentially. Non-QM programmes may consider alternative documentation, such as bank statements or business profit-and-loss records, instead of relying solely on taxable income. Approval depends on the specific programme and your overall financial situation.

Potentially. Asset-qualifier programmes may assess qualifying savings, investment or retirement assets when traditional monthly income documentation does not reflect your ability to repay. Requirements vary by lender.

Yes, some Non-QM programmes are designed for real estate investors and may assess projected rental income or property cash flow, subject to the loan’s eligibility requirements.

Non-QM programmes can be available for both home purchases and refinances. Options depend on the property, loan purpose, borrower qualifications and available lender products.