Find A Home Loan

Ditch the headache and the confusion of looking for the right loan. Our broad suite of options has you covered. Take a look at some of the scenarios below.

First Things First: What is Non-QM?

A Non-QM (non-qualified mortgage) is simply a home loan that can follow
more flexible qualification criteria than the standard rules most banks use for making decisions about mortgages.

That means if you’re self-employed, have irregular income, own multiple
properties, or recently had a credit hiccup, you may still qualify for some
Non-QM loans. Instead of relying only on W-2s and perfect credit, we can
look at bank statements, assets, or other proof you can afford the loan.

Non-QM loans are flexible, but may come with a higher rate or bigger down payment — so they’re designed for people who need options outside the traditional box.

Our Non-QM Bank Statement Loans: Great for Self-Employed & Entrepreneurs

You’ve built your business from the ground up, and your income shows it,
especially your bank statements.

Many entrepreneurs and small business owners use legitimate deductions to minimize their taxable income, which can make it challenging to qualify for a conventional loan.

If this sounds like you, a non-QM program with Bank Statement loans might be right for you. Instead of relying on W-2s or tax returns, these Non-QM programs allows us to use 12 to 24 months of your business or personal bank statements to verify your income and cash flow.

It’s a straightforward path for qualified applicants to homeownership that honors the way you do business. This program is ideal for freelancers, independent contractors, and business owners.

Non-QM Debt Service Coverage Ratio Loans: Great For Real Estate Investors:

Traditional loans often require you to qualify for each new property using your personal income, which can quickly limit your borrowing power.

Our Non-QM programs offer DSCR (Debt Service Coverage Ratio) loans as a powerful tool for BOTH new and seasoned investors. A DSCR loan is a
mortgage where the property’s rental income is used to qualify, instead of the borrower’s personal income.

Here’s how it works: lenders compare the property’s monthly rent to the monthly mortgage payment (plus taxes, insurance, and other costs). If the
rent covers — or more than covers — those costs, the property “pays for itself” in the lender’s eyes.

With a DSCR loan, you can qualify for a new investment property based on its own potential rental income, not your personal income.

If the property’s projected cash flow can cover its monthly mortgage payment, you're on the right track.

This means no personal tax returns or W-2s are required for qualification and allows qualified applicants to finance multiple properties without affecting their personal debt-to-income ratio.

Other Flexible Non-QM Programs

These scenarios are just a small taste of our non-QM programs and broad
suite of home loan options. We’re built to serve the overlooked,
underestimated borrowers who don’t fit in cookie-cutter boxes.

Our team can help you explore solutions for:

Asset Depletion Loans: Designed for high-net-worth borrowers or retirees with substantial liquid assets but limited recurring income. This program uses your savings, investments, or retirement accounts to demonstrate your ability to repay the loan.

ITIN Loans: For non-U.S. citizens who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. This program uses alternative verification methods, such as rental history or utility payments, to provide a clear path to homeownership.

A Quick Look at Some Of Our Non-QM Solutions

Loan Type : May Work for You If You Are
Bank Statement Loan : Self-employed, freelancer, small business owner,
independent contractor.
DSCR Loan : Real estate investor, expanding a rental property
portfolio.
Asset Depletion Loan : Retired, high-net-worth with limited income, but
significant liquid assets.
ITIN Loan : Non-U.S. citizen who has an Individual Taxpayer
Identification Number.

Jumbo & Super Jumbo Loans: A Smarter Way to Go Big

When a traditional loan isn't enough, we offer jumbo solutions for financing high-value homes. Our programs are designed to provide the flexibility and terms you need for significant purchases.

Jumbo Loans: For loans up to $3.5 million, our Jumbo program provides flexible terms and options for those that qualify. We accept 100% gift funds on primary residences, and interest-only options may be available. We can also finance non-warrantable condos.

Super Jumbo Loans: Go even bigger with our Super Jumbo program, offering loan amounts up to $20 million for those that qualify. This program provides increased flexibility, including cash-out options up to $1.5 million for those that qualify and the ability to qualify self-employed borrowers with just one year of tax returns. We offer an interest-only option and up to 70% loan-to-value.

A Full Suite of Mortgage Solutions

We believe homeownership should be within reach for every hardworking, qualified borrower. That's why we offer a comprehensive range of loan
options to meet you wherever you are in your homeownership journey.

First-Time Homebuyer Loans: Take the first step with confidence. We offer lower down payments, flexible guidelines, and professional guidance designed specifically for buyers just getting started.
Conventional Loans: A reliable and solid choice for borrowers with strong credit and steady income. This is a straightforward and flexible option for many homebuyers.
FHA Loans: May be great option for those with smaller savings or lower credit scores..
VA Loans: We're proud to offer this solution for veterans, active-duty service members, and qualifying spouses, with potential advantages like zero down payment and no Private Mortgage Insurance.
Refinancing: By refinancing your current mortgage loan, your finance charges may be higher over the life of the loan.
HELOC (Home Equity Line of Credit): See if you can tap into your home’s equity with a flexible line of credit. A HELOC is a revolving loan that lets qualified applicants borrow what they need, when they need it, up to a set credit limit and within a designated period. You only pay interest on the amount you use, making it ideal for ongoing expenses like home renovations, college tuition, or debt consolidation.
Closed-End Seconds: Also known as a second mortgage or a home equity loan, a Closed-End Second provides a one-time lump-sum payment that a borrower repays with a fixed interest rate and a set monthly payment over a specific term. This can be a good solution for a large, one-time expense like a major home improvement project or a wedding, allowing you to access cash without changing your first mortgage.

Ready to Find a
Solution?

If you don't fit the mold of a traditional borrower but have the financial strength to own a home, our Non-QM team of mortgage loan originators is here to help. We'll listen to your story, understand your unique financial situation, and guide you to the loan that's right for you. Connect with one of our mortgage loan originators today for a free, no-obligation consultation.