Alternative Lending
Alternative & Non-QM Loans
Not every borrower fits the conventional mold — and that's okay. Non-QM loans offer real financing solutions for real people with unique financial situations.
What Is a Non-QM Loan?
A Non-QM (Non-Qualified Mortgage) loan is any mortgage that does not meet the Consumer Financial Protection Bureau's "Qualified Mortgage" standards — which are primarily designed around W-2 employment and traditional income documentation.
Non-QM loans are not subprime loans. They are underwritten to a different set of standards that allow lenders to evaluate borrowers based on bank statements, assets, rental income, or other alternative documentation. They are a legitimate and growing segment of the mortgage market, used by millions of creditworthy borrowers who simply don't fit the conventional box.
Non-QM Loan Programs
Flexible programs built for borrowers with non-traditional income, documentation, or credit profiles.
Bank Statement Loans
Qualify using 12–24 months of personal or business bank statements instead of tax returns. Ideal for self-employed borrowers whose write-offs reduce taxable income.
Asset Depletion / Asset Dissipation
Use liquid assets — savings, investments, retirement accounts — as qualifying income. No employment required. Designed for high-net-worth borrowers with significant reserves.
ITIN Loans
Mortgage financing for borrowers without a Social Security number who file taxes using an Individual Taxpayer Identification Number. No citizenship required.
Foreign National Loans
Financing for non-U.S. residents purchasing investment or vacation properties in the United States. Flexible documentation and no U.S. credit history required.
Interest-Only Loans
Lower initial payments by paying only interest for a set period. Useful for investors managing cash flow or borrowers expecting income growth.
DSCR Loans
Qualify based on the rental income of the property, not your personal income. No tax returns, no W-2s — just the numbers on the deal.
Recent Credit Event Loans
Programs available for borrowers with a recent bankruptcy, foreclosure, short sale, or deed-in-lieu. Waiting periods as short as 1 day after discharge in some programs.
1099 Loans
Qualify using 1099 income instead of full tax returns. Built for independent contractors, gig workers, and commission-based earners.
Why Borrowers Choose Non-QM
Who This Is For
Related Programs
Ready to Explore Your Options?
Non-QM lending is complex — but finding the right program doesn't have to be. Let's review your situation and identify the best path forward.