Non-QM

NON-QM (Non-Qualified Mortgage)

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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Mortgage

TAKE the First Step Towards Homeownership TODAY!

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

Submit an application either online or in-person at the lender's office.

Gather necessary documents such as proof of income, employment history, and identification.

Await conditional approval, in which the Lender assesses your financial situation, verifications are complete and loan decision is made.

Provide additional conditions, and documentation requested by Lender to obtain a final approval.

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.

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.

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.