Break Free From
Bank Rules.
Bank rejected you? Good. Non-QM loans are built for people who don't fit the traditional mold — self-employed, investors, high-net-worth borrowers, and more.
🔒 No SSN required · No credit pull · 100% confidential
Loans Built For
Real Life
A Non-QM loan doesn't follow the strict income documentation rules set by Fannie Mae and Freddie Mac. Instead of W-2s and pay stubs, we look at the full picture — bank statements, assets, rental income, or P&L statements.
- ✓No W-2 or tax return required
- ✓12 or 24-month bank statement programs
- ✓Asset depletion qualification
- ✓P&L only — no bank statements needed
- ✓Foreign national programs available
- ✓Credit scores from 580+
- ✓Loan amounts up to $5M
| Conventional / FHA / VA | Non-QM | |
|---|---|---|
| Income Docs | W-2 / tax returns | Bank stmts OK |
| Max DTI | 43% | Flexible |
| Min Credit | 620+ | 580+ |
| Foreign Nationals | No | Yes ✓ |
| Max Loan | $806,500 | $5M+ |
Find Your Fit
We offer multiple Non-QM pathways depending on your income type and situation.
Qualify using 12 or 24 months of personal or business bank statements. Perfect for self-employed borrowers and entrepreneurs.
Use your liquid assets — savings, retirement accounts, investments — to qualify instead of monthly income. Great for high-net-worth retirees.
Qualify with a 12-month profit & loss statement prepared by a CPA. No bank statements or tax returns needed.
Non-US residents can qualify for investment properties with alternative documentation. No US credit history required.
Gig workers, contractors, and freelancers can qualify using 1099 forms or a 12-month average of self-employment income.
Don't have a Social Security Number? Qualify using your Individual Taxpayer Identification Number instead.
Non-QM FAQ
Typically yes — Non-QM rates are slightly higher than conventional loans due to the reduced documentation requirements. However, for borrowers who don't qualify conventionally, Non-QM is often the only path — and the rates are still highly competitive.
Most programs require 12 or 24 months of bank statements. We use either personal or business statements depending on your situation. 24-month programs often come with better rates.
Absolutely. Non-QM loans are available for primary residences, second homes, and investment properties. For investment properties, you can often combine Non-QM documentation with DSCR qualification for even more flexibility.
Some Non-QM programs include a soft or hard prepayment penalty for the first 1–3 years. We'll always disclose this upfront and walk you through your options before you commit.
Ready To Break
The Rules?
Get your Non-QM rate quote in minutes. No SSN, no credit pull.
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