We focus on niche mortgage programs to help some borrowers who are self-employed or have an unusual way of disclosing their income. From high DTI allowances to investment property financing, these programs expand what’s possible. Aggressive Pricing on Investment...
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 where you can get a no-income verification HELOC mortgage in the US for primary...
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 Alternative Income Loan solved that exact problem. The Scenario: High-Income...
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 Coverage Ratio) financing becomes a powerful alternative for investors acquiring...
We offer the VOE (Verification of Employment) Program, a creative Non-QM product that helps finance borrowers who would benefit from this innovative loan program. In many cases, providing a VOE in lieu of pay stubs can simplify the underwriting process and help avoid...
Most self-employed borrowers’ tax returns don’t reflect the true financial strength they possess. That was the case with one of our recent borrowers, and it’s exactly where our Asset Utilization Mortgage Program provided the perfect Non-QM solution. The...
Real estate investors often face challenges when transitioning from short-term hard money loans to long-term rental financing. We specialize in DSCR loans for real estate investors. Renovation-to-Rent Financing Scenario Our borrower purchased a distressed...
Our specialized Mobile Home Financing programs offer mortgage financing and affordable options for buyers and homeowners looking to purchase, refinance, or access equity from their mobile home. Whether it’s a single-wide or double-wide, newer build or pre-1976, we...
We offer creative and innovative Non-QM loan solutions to self-employed professionals, including our One-Year Profit & Loss (P&L) Mortgage Program. This innovative option allows you to qualify based on your most recent business income without the use of...
Are you a real estate investor looking to expand your portfolio but don’t want to refinance your existing mortgage? A DSCR (Debt Service Coverage Ratio) second mortgage could be the perfect solution, allowing you to tap into your property’s equity to fund new...
One of our most popular non-QM mortgage programs is the DSCR program. Here’s how we helped one borrower overcome a challenging situation and close their loan in just 13 days. The Challenge Our borrower faced a unique set of hurdles: The property they wanted to finance...
At NonQmMortgage, we’re making it easier than ever for real estate investors to maximize their opportunities. With our 90% Combined Loan-to-Value (CLTV) financing on all non-owner-occupied properties, you can secure the funding you need to grow your portfolio and...
