About Our Non-QM Mortgage Lending

In the evolving landscape of mortgage lending, we are at the forefront, offering non-qualified mortgage (non-QM) loans designed to cater to the diverse needs of borrowers who fall outside the conventional mortgage parameters. Understanding that traditional QM loans do not suit every individual’s unique financial situation, we have crafted flexible, accessible, and innovative non-QM mortgage solutions that break the barriers of conventional lending.

Understanding Non-QM Mortgages

Non-QM mortgages are designed for borrowers who do not meet the stringent guidelines of qualified mortgages (QM). Qualified Mortgages, regulated by the Consumer Financial Protection Bureau (CFPB), are intended to ensure that lenders extend loans only to borrowers who can afford them. These mortgages have strict criteria, including debt-to-income ratios, income verification, and limitations on loan terms and features.

Non-QM mortgages, however, provide an alternative for borrowers who may have complex or unconventional financial situations. These include self-employed individuals, real estate investors, foreign nationals, or those with recent credit events such as bankruptcies or foreclosures. Non-QM loans do not fit the standard QM guidelines, offering greater flexibility in underwriting criteria.

Our Non-QM Mortgage Offerings

We pride ourselves on offering a broad spectrum of non-QM mortgage products tailored to meet the diverse needs of our clients. Our offerings include:

Bank Statement Loans: Ideal for self-employed borrowers or small business owners who may have significant income that is not reflected in their tax returns. We use bank statements to verify income instead of traditional tax documents.

Investor Cash Flow Loans: These are perfect for real estate investors looking to expand their portfolios. Loan approval is based on the cash flow generated by the investment property rather than the borrower’s personal income.

Asset-Based Loans: For borrowers with significant assets but irregular income, these loans are based on the value of their assets rather than income.

Foreign National Loans: Designed for non-resident aliens who want to invest in U.S. real estate. These loans do not require a Social Security number or credit score.

Interest-Only Loans: These loans allow borrowers to pay only the interest for a set period, making monthly payments more affordable during that time.

Benefits of Non-QM Mortgages

Non-QM mortgages offer several benefits to borrowers, including:

Flexibility: Non-QM loans provide the flexibility to accommodate a wide range of financial situations that traditional QM loans cannot.

Customized Solutions: We tailor our non-QM mortgage products to meet the specific needs of our clients, ensuring they get the best possible loan terms.

Access to Homeownership: For many borrowers, non-QM loans provide a pathway to homeownership that would otherwise be unavailable through traditional QM loans.

Investment Opportunities: Real estate investors can benefit from non-QM loans to grow their portfolios and take advantage of market opportunities.

Why Choose Us?

Choosing the right lender for your non-QM mortgage is crucial. Here’s why we stand out:

Expertise and Experience: Our team comprises seasoned mortgage professionals with deep knowledge and experience in non-QM lending. We understand the nuances and complexities of non-QM loans and are equipped to guide you through the process smoothly.

Personalized Service: We take a customer-centric approach, offering personalized service to ensure your unique financial situation is thoroughly understood and addressed. Our loan officers work closely with you to find the best loan product that suits your needs.

Innovative Solutions: We stay ahead of the curve by constantly innovating our non-QM mortgage products. Our goal is to provide you with the most up-to-date and flexible lending solutions available.

Fast and Efficient Process: We streamline the loan approval process to ensure it is fast and efficient. Our advanced technology and dedicated team work together to expedite your loan application and approval.

Competitive Rates: Despite the flexibility and customization of our non-QM loans, we strive to offer competitive rates. We understand that affordability is key, and we work hard to provide you with the best possible terms.

Our Commitment to Responsible Lending

While non-QM mortgages offer greater flexibility, we remain committed to responsible lending practices. We ensure that every loan we extend is suitable for the borrower’s financial situation and that they fully understand the terms and obligations of their mortgage.

We adhere to strict underwriting guidelines and perform thorough assessments of each borrower’s financial condition. Our goal is to help you achieve your financial objectives while ensuring that your mortgage is sustainable in the long term.

Contact Us

If you are interested in exploring non-QM mortgage options, we invite you to contact us. Our team of experts is ready to assist you in finding the right mortgage solution that fits your needs. Whether you are self-employed, an investor, or someone with a unique financial situation, we are here to help you navigate the mortgage landscape and achieve your homeownership or investment goals.

In an industry that often prioritizes conformity over individuality, we take pride in offering non-QM mortgages that recognize and accommodate the unique financial realities of our clients. Our commitment to flexibility, innovation, and personalized service sets us apart as a leading non-QM mortgage lender. We invite you to experience the difference with us and take the first step towards realizing your financial aspirations with a non-QM mortgage tailored just for you.