Non-QM Loans
Non-Qualified Mortgage (Non-QM) loans offer flexible financing for borrowers who don’t meet traditional lending standards. These programs are ideal for self-employed professionals, real estate investors, retirees, or those with unique income profiles who need alternative documentation to qualify.
Non–QM Loans
Down Payment Assistance
Helps eligible buyers cover part of their down payment and closing costs, often rewarding strong credit or income stability.
Cash Out Refinance
Tap into your home’s equity to access cash for debt consolidation, home improvements, or other major expenses.
Bank Statement Program
Qualify for a mortgage using 12–24 months of personal or business bank statements instead of tax returns — great for self-employed borrowers.
Niche Occupation Program
Specialized options for teachers, police officers, healthcare workers, and first responders, offering more flexible terms to support community service professionals.
DSCR Investment Loan
For investors, the Debt Service Coverage Ratio (DSCR) loan focuses on a property’s rental income vs. debt obligations, making it easier to qualify based on cash flow rather than personal income.
P&L Loan
Use a Profit & Loss statement to demonstrate income — tailored for small business owners who prefer to leverage their business earnings.
Closed-End Second Mortgage
Tap into your home’s equity with a fixed-rate second mortgage to fund major expenses without changing your primary loan.
Asset Utilization
Designed for retirees, investors, or high-net-worth borrowers — qualify for a mortgage based on liquid assets instead of employment income.
iTIN
For borrowers with an Individual Taxpayer Identification Number (ITIN) and an established credit history — no SSN required.
Full Doc
A great fit for wage earners and self-employed borrowers who have verifiable income that supports a conventional loan but don’t meet all standard requirements.
1099 Loan
Tailored for independent contractors and gig-economy workers, using a 12-month average of 1099 income to qualify.
iTIN Close Call
Helps non-U.S. citizens with limited or no credit scores pursue homeownership by using alternative qualifying factors.