When the standard rulebook doesn't fit how you earn

Non-QM stands for “non-qualified mortgage” — loans that document your finances differently than the Fannie Mae and Freddie Mac standard. Bank deposits instead of tax returns. Rent instead of pay stubs. An ITIN instead of a Social Security number. These are fully underwritten loans — the paperwork is just built around how you actually earn. Most come from non-bank mortgage lenders that keep the loans on their own books, which is exactly why their guidelines can flex. As an independent broker we compare non-QM lenders side by side and tell you plainly which program fits, in English or Spanish.

• Bank Statement Loans — For the self-employed: qualify on your deposits, not your tax returns.
• P&L-Only Loans — Qualify with a profit-and-loss statement — no tax returns required.
• DSCR Investor Loans — Qualify on the rent your property earns — not your personal tax returns.
• ITIN Loans — Buy a home using your ITIN — no Social Security number required.
• Asset Depletion Loans — Turn your savings and investments into qualifying income.
• No-Income-Verification Loans — Qualify on your credit and savings — without income or employment documents.
• Bank-Statement Refinance — Self-employed? Refinance on your deposits, not your tax returns.
• DSCR Refinance — Refinance a rental on its own rent — not your personal income.
• Foreign National Loans — Buy U.S. property from abroad — no U.S. credit history required.