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Non-QM Mortgage Programs
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Non-QM Mortgage Insights
Non-QM Mortgage for HELOC in the US
If you are looking for no-income HELOC home loans on your first lien in the US as of 2025, it could be difficult to find one, but not impossible. Non-QM Mortgage is one of the few places...
How a $2.3M Purchase Was Approved Using Bank Statements
Conventional jumbo guidelines rely heavily on tax returns. But what happens when your tax strategy works against your mortgage approval? Here’s a real-world example of how a Non-QM Jumbo...
DSCR 2–4 Unit Financing Solution for Property Investors
Real estate investors continue to face challenges qualifying for conventional financing, especially as portfolios grow and debt-to-income ratios increase. That’s where DSCR (Debt Service...
Frequently Asked Questions
Who is eligible for your Non-QM mortgage loan services?
The loans are suitable for self-employed professionals, real estate investors, landlords, advocates, and anyone who has a past credit challenge. Different loan services have different eligibility criteria in terms of minimum LTV (loan-to-value) ratio, FICO score, type of property, and required loan amounts. Tell us your needs so we can provide the exact eligibility criteria for each program.
What documents do I need to provide?
We have minimum document requirements, which generally include personal or business bank statements for 12–24 months. No W-2s, pay stubs, or tax documents are needed.
Can I get a non-QM mortgage with a low or no rental income?
Yes, we have specialists. No DSCR mortgage loan programs are available for properties with low or no current rental income, focusing instead on asset-based, high-equity underwriting.
Who underwrites the mortgage loan services?
We operate through a network of over 147 lenders to bring you meaningful non-QM mortgage loan programs. Our in-house financial experts structure the loans and underwrite them by coordinating with the respective lenders, who ultimately provide the underwriting, and tailor them to fit your financial needs.