Non-QM loans
Loans for strong borrowers who don't fit the standard box.
Non-QM stands for non-qualified mortgage. These are loans for creditworthy borrowers whose situation doesn't fit the rigid checklist of a standard conventional loan, the self-employed, investors, people with complex income, or recent credit events. Non-QM isn't "subprime." It's a different, common-sense way to document a strong borrower who happens to be non-standard.
- 01Self-employed and complex-income borrowers
- 02Investors and portfolio builders
- 03Buyers with a recent credit event who are otherwise strong
Flexible documentation
Non-QM allows alternative ways to prove income, like bank statements or asset depletion, when W-2s and tax returns don't fit.
For real situations
Life isn't always W-2 and a 760 score. Non-QM is how strong but non-standard borrowers still get financed.
Family of programs
Bank statement and DSCR loans are both types of Non-QM. We pick the specific one that fits you.
Non-QM loans, answered.
- Is Non-QM the same as a bad-credit loan?
- No. Non-QM is for creditworthy borrowers who don't fit the standard template, often the self-employed or investors. It's about how you document, not a lower bar.
- Which Non-QM program is right for me?
- It depends on your income picture. Bank statement loans suit business owners; DSCR suits investors. On a call I'll point you to the right one.
That's what the first call is for.
Tell me your situation and I'll tell you which programs actually fit. Ten to fifteen minutes, no paperwork.
This page is general information about loan programs, not a commitment to lend or an offer of credit. Program availability, terms, and qualification depend on your situation and are subject to underwriting approval. Tareq Maayta, NMLS #1443073. Loans through Finance USA Corporation, NMLS #135625. Equal Housing Opportunity.