Non-QM Loans
Complex Income? We Have Your Program.
Non-Qualified Mortgage (Non-QM) loans serve borrowers whose income, credit history, or financial situation doesn't fit the standard Fannie Mae/Freddie Mac box. As a broker, we access dozens of Non-QM lenders with programs for virtually every scenario.
2026 Program Requirements
Key Benefits
- Bank statement income for self-employed borrowers
- DSCR loans — qualify on rental income, not personal income
- 1099 income programs for contractors/gig workers
- No income verification (asset-based) programs
- Recent bankruptcy or foreclosure OK (1-2 year seasoning)
- Foreign national and ITIN programs
- Interest-only options available
- No limit on financed properties (investor programs)
The Process
Scenario Review
We review your income documentation and identify the best Non-QM product match across our lender network.
Program Selection
We present 2-3 lender options with rate/cost comparisons so you can make an informed decision.
Documentation
Non-QM documentation varies by program. We provide a precise checklist.
Underwriting
Non-QM underwriting is manual and relationship-based. Our lender relationships accelerate the process.
Close
30-45 day close typical for Non-QM transactions.
Frequently Asked Questions
Are Non-QM loans predatory?
No — modern Non-QM loans are legitimate products from regulated lenders. They carry higher rates than conventional loans to reflect the additional risk, but they serve a real need for borrowers with non-traditional income.
What is a DSCR loan?
A Debt Service Coverage Ratio loan qualifies based on the rental income of the property rather than the borrower's personal income. If the property's rent covers 100%+ of the mortgage payment, you can qualify — no personal income documentation required.
Ready to Get Started?
Daryl will review your scenario and provide a detailed breakdown of your options — at no cost or obligation.