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Non-QM Loans
Flexible qualification for borrowers whose income doesn’t fit a traditional W-2 box.
For income that doesn't fit the standard mold
Non-Qualified Mortgage (Non-QM) loans use alternative documentation — like bank statements or asset totals — instead of traditional tax returns and pay stubs. They’re built for self-employed borrowers, business owners, and others with strong but non-traditional income.
Bank statement programs for self-employed borrowers
Asset-based and asset-depletion qualification options
Recent credit events (like a past bankruptcy or foreclosure) may still qualify
Flexible options for jumbo and investment scenarios
Self-employed or non-traditional income?
We’ll review your documentation options and match you to the right Non-QM program.
Non-QM loan basics
Documentation
Bank statements, assets, or other alternative income verification.
Best for
Self-employed, business owners, real estate investors.
Credit flexibility
Some programs accommodate recent credit events.
Occupancy
Primary, second home, or investment.