Why Choose Non-QM Loans?
Non-QM (Non-Qualified Mortgage) loans provide flexible lending solutions for borrowers who don't fit traditional lending criteria.
Flexible Income Documentation
Bank statements, profit & loss statements, or asset-based qualification instead of traditional W-2s.
Perfect for Self-Employed
Designed for entrepreneurs, contractors, and business owners with non-traditional income streams.
Higher Loan Amounts
Access jumbo loan amounts with more flexible qualification requirements than traditional programs.
Alternative Credit Evaluation
Credit evaluation based on overall financial picture, not just traditional credit scores.
Asset-Based Lending
Qualify based on liquid assets and investment portfolios rather than employment income.
Faster Approval Process
Streamlined underwriting with fewer documentation requirements than conventional loans.
Who Qualifies for Non-QM Loans?
Non-QM loans are designed for borrowers with unique financial situations that don't fit traditional lending boxes.
Non-QM Loan Program Options
Multiple Non-QM programs designed to meet different borrower needs and financial situations.
Bank Statement Loans
Qualify using 12-24 months of business or personal bank statements
Asset-Based Loans
Qualification based on liquid assets and investment accounts
Foreign National Loans
Designed for non-U.S. citizens purchasing American real estate
Interest-Only Loans
Lower initial payments with interest-only options available
Non-QM Loan Application Process
Our streamlined process is designed for borrowers with unique financial circumstances.
Initial Consultation
Discuss your unique situation and determine the best Non-QM program
Alternative Documentation
Submit bank statements, P&L, or asset documentation
Customized Underwriting
Flexible underwriting based on your complete financial picture
Quick Closing
Faster approval and closing process than traditional loans
Non-QM Loans Throughout Orange County
Serving self-employed borrowers and investors across all major Orange County cities.
Non-QM Loan FAQ
What does Non-QM stand for and what makes it different?
Non-QM stands for Non-Qualified Mortgage. These loans don't meet the strict federal guidelines of QM loans, allowing for more flexible underwriting and alternative income documentation methods.
Can self-employed borrowers qualify for Non-QM loans?
Absolutely! Non-QM loans are perfect for self-employed borrowers who can use bank statements, profit & loss statements, or asset documentation instead of traditional W-2s and tax returns.
What are the typical down payment requirements for Non-QM loans?
Down payments typically range from 10-25% depending on the loan program, borrower profile, and property type. Some programs may allow lower down payments with compensating factors.
How much can I borrow with a Non-QM loan in Orange County?
Non-QM loans can go well above traditional conforming limits, often up to $5M or more depending on the lender and your qualification factors.
What documentation do I need for a Non-QM loan?
Documentation varies by program but may include: 12-24 months of bank statements, profit & loss statements, asset statements, CPA letters, or other alternative income verification methods.
Are interest rates higher on Non-QM loans?
Non-QM loans typically have slightly higher rates than traditional loans due to the additional flexibility and risk. However, they often provide access to financing that wouldn't otherwise be available.