Non-QM Loan

Best for borrowers with unique income situations or credit challenges

Non-QM loans offer solutions for those who don’t fit the standard mortgage mold, with flexible requirements for self-employed, investors, or those with credit issues.

Benefits

  • Flexible income verification, ideal for self-employed borrowers

  • Higher debt-to-income ratios allowed

  • No strict credit requirements

  • Asset-based and bank statement options available

  • Financing for investment properties

  • Can accommodate recent credit events

  • Tailored options for non-traditional borrowers

Eligibility requirements

  • Proof of income, even if non-standard (e.g., bank statements)

  • Flexible credit score, typically 620+

  • Debt-to-income ratio flexibility, often up to 65%

  • Cash reserves may be required

  • Property must meet lender standards

  • Requires a larger down payment, typically 10%+

  • Subject to lender-specific conditions

Other loans

  • Home Advantage 3

    Best for first-time homebuyers and repeat homebuyers.

    • Down payment as low as 3%

    • No mortgage insurance ever

    • Below market interest rates

  • Profit And Loss Only Loan

    For business owners who prefer to use profit and loss statements instead of tax returns.

    • Business-focused

    • Simplified documentation

    • Faster qualification

  • Investor Loan

    Best for real estate investors seeking financing for rental properties

    • Flexible qualification requirements

    • Up to 80% of the property value

    • Primary residence not required

  • Jumbo Loan

    For high-value properties needing larger loans that exceed conforming limits.

    • Higher loan limits

    • Competitive rates

    • Flexible repayment options

  • Conventional Loan

    A solid option for most homebuyers who have a good credit score and a stable down payment.

    • Flexible terms

    • Low interest rates

    • No surprises