Non-QM loans
A closer look when standard documentation does not tell the whole story.
A place to call home.
How this option works
Self-employed income, rental properties and complex finances may call for a different documentation approach. Bank-statement and DSCR routes serve different needs; neither removes the need for a lender to assess the file.
When to discuss it
Business owners, investors and borrowers whose income needs a more tailored review.
What to compare
How income or rental cash flow is evaluated, reserves, down payment, costs and any prepayment terms.
Eligibility, availability and terms require lender review.
Want to see how this could fit your plans?
Discuss this optionQuestions
Straight answers
Is non-QM the same as subprime?
No. Non-QM loans still verify that you can repay; they just accept different documents. Many non-QM borrowers have excellent credit and simply earn their income in a way tax returns do not show well.
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Talk through this option with Ian
Share your goal and how to reach you. This is a contact request, not a loan application or credit check.
- No cost and no obligation
- Answered by Ian, not a call center
- Your information is never sold
