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Non-QM Mortgage Programs
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Non-QM Mortgage Insights
Simplify Your Loan Process With Our Written Verification of Employment (WVOE) Loan Program
Getting approved for a mortgage should not feel like a paper chase. For borrowers whose pay stubs do not fully capture their income picture, our Written Verification of Employment (WVOE)...
Common Mistakes to Avoid When Applying for an Asset Utilization Mortgage
What are common mistakes to avoid when applying for an asset utilization mortgage? Many borrowers don’t understand the lender’s prioritization of liquidity when lumping all assets...
What Makes a Condo Warrantable vs. Non-Warrantable?
What’s the key difference between a warrantable and non-warrantable condo? A warrantable condo meets conventional lending rules, while non-warrantable condo loans in Florida does not and...
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.