Non-QM Loans

Alternative lending, trusted experience

  • No tax returns, W-2's, or pay stubs required
  • Qualify with business or personal bank statements
  • Flexible lending options with experts you can trust



What is a Non-QM Loan?


A Non-QM (Non-Qualified Mortgage) loan offers flexible underwriting standards for borrowers with unique financial situations. Unlike traditional loans, Non-QM loans may use alternative income documentation—including bank statements or tax returns—to verify your income.


Non-QM loans are a great alternative for borrowers who don't fit in the "traditional" lending box, including:

  • Self-employed borrowers and freelancers
  • Business owners
  • Real estate investors
  • Borrowers with high debt-to-income ratios or unconventional income streams


Non-QM loans offer:

  • Flexible income verification
  • Higher DTI (debt-to-income) allowances
  • Expanded qualification options
  • A variety of flexible mortgage options