Non-QM

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NON-QM (Non-Qualified Mortgage)

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No Tax Returns required!

For borrowers who may not meet the strict criteria of traditional mortgages, Non-QM mortgages offer an alternative path to homeownership. These mortgages do not adhere to the guidelines set by the Consumer Financial Protection Bureau's Qualified Mortgage (QM) rule. As a result, they may accommodate individuals with unique financial circumstances, such as self-employed individuals with irregular income or those with less-than-perfect credit histories. Non-QM mortgages often provide greater flexibility in terms of eligibility requirements, allowing a broader range of borrowers to access financing options.
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TAKE the First Step Towards Homeownership TODAY!

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Whether you're Self-employed, have a less-than-perfect credit history, or simply don't fit the criteria for a traditional mortgage, Non-QM mortgages could be the solution you've been searching for. With their flexibility and tailored approach, Non-QM mortgages open doors to homeownership for a broader range of individuals. Take the first step towards your dream home today by contacting us to learn more about our Non-QM mortgage options and how we can help you secure the financing you need.
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HERE’S HOW our APPLICATION PROCESS WORKS

01
  • Submit an application either online or in-person at the lender's office.
02
  • Gather necessary documents such as proof of income, employment history, and identification.
03
  • Await conditional approval, in which the Lender assesses your financial situation, verifications are complete and loan decision is made.
04
  • Provide additional conditions, and documentation requested by Lender to obtain a final approval.
05
  • Await a Clear to Close! It is time to cross our T's and dot our i's. This involves a thorough review of your application, verifications, and financial documents.
06
  • Funding & Recording made easy! Close on your Mortgage stress-free. Sign all required Loan documents in front of a Notary. The Recording process with the County typically occurs on the following Business Day.
07
  • KEYS! Once Recording occurs you are ready for your keys! You will receive your new Mortgage information package within 10-15 days from recording.
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SERVICES

OTHER Services

In addition to our primary services, we offer a range of other mortgage solutions to meet your unique needs. Whether you're purchasing a new home, refinancing your current mortgage, or exploring alternative loan options, we're here to help.
Purchase & Refinance
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FHA Loans
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VA Loans
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203K Loans
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Reverse Mortagages
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Jumbo Loans
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Home Equity Loan
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