Unconventional Mortgages and Loans (800) 718-8906

Unconventional Mortgages and Loans

Customer Service: (800) 718-8906

Non-Qualified Mortgages

Non-QM Advantages – Mortgage Programs and Features

Non-QM Mortgage loans are for every walk of life. Self-employed, entrepreneurs, independent Contractors, real estate investor.

Bank Statement loans 620 Credit Score

Program helps self-employed borrowers who make enough money to afford a home, but on paper, it looks like they don’t use Tax returns. The good news is that this program requires NO Tax Returns! We allow the business owner to use the deposits in their bank statements as income.

Credit Issues and Mortgage Loans

If you have experienced a negative credit event—such as a Bankruptcy, Foreclosure, Short Sale or Deed-in-Lieu, it can take up to 2 – 7 years before you’ll be eligible for a traditional loan program. However, with a Non-QM program, the waiting period is only 12 months to qualify.

P&L Only Loans 660 Credit Score

If you’re looking for the simplest way to get funding to buy a home as a self-employed borrower, check out our P&L program. It doesn’t get any easier than this! Your tax preparer (must be licensed) can prepare a 1-2 year Profit & Loss Statement. Profit & Loss Statements can be used to secure a loan for your owner-occupied, second home or investment home.

1099 Only Income 600 Credit Score

This Home Loan addresses the unique lending needs of 1099 workers. Instead of Tax Returns, we use your actual wages from your 1099 as the qualifying income for your new home loan.

DSCR 620 Credit Score

These non-QM programs are designed for the Real Estate investor looking for a low- or no-income documentation loan. No Tax returns are necessary. Market rents are used to qualify for this loan. There are other types of Non-QM loans: Such as: Asset Depletion, Foreign National, and ITIN loans that fit other very specific circumstances.

Alternative Income Documentation

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Non-Qualified Mortgage Lending

Alt Doc Purchase Loans

Alt Doc Refinance Loans