Non-Qualified Mortgage

All about our Non-Qualified Mortgage (QM) loans

What are Non-Qualified Mortgage Loans?

Non-QM loans are used to qualify applicants through nontraditional income documentation. These loans are based on a commonsense approach to underwriting and the programs open up mortgage options for applicants who are sound credit risks.


Program is suspended as of 11/8/2022

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Non-QM Benefits

  • Financing option for applicants who do not obtain traditional income documentation (such as W2s).

Available Non-QM Programs

  • Non-QM Bank Statement Qualifying Loan – Program for self employed applicants based on an analysis of deposits into bank statements rather than through traditional income documentation.

Do I Qualify for a Non-QM Loan?

  • Must be self-employed applicant
  • Credit history and score
  • The amount of income you earn
  • The amount of your other debts
  • How much equity will be in the property

We understand how difficult it can be to achieve home financing. That’s why we these developed educational tools to help aid in your understanding of the mortgage process:

* See our product guides for complete details.