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What is a Non-QM Loan?

A Non-QM or Non-Qualified mortgage loan is a home financing solution for responsible borrowers that don’t fit into the parameters of conventional mortgages. Millions of people that don’t qualify for a home loan by using their tax returns, W-2s or pay stubs alone, are able to qualify with us. Non-QM loans fill the void by allowing the use of alternative income verification methods to help get you approved for the mortgage loan you deserve.

Non-QM Loans are NOT subprime mortgages or “stated-income” loans.

Programs Available:


  • Higher debt ratios
  • Flexibility in underwriting guidelines 
  • Alternative income options
  • Financing made simple for Self-employed borrowers
  • Financing available for Recent Credit event borrowers
  • ITIN borrowers welcome
  • Purchase, Refinance or Consolidating Debt options

 Non-QM loans can provide financing for first time home buyers, 2nd homes, refinances and more!

For Questions about our Non-QM mortgage loans please call (888)416-0920

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