About Us – Your Trusted Non-QM Loan Experts
We Provide Non QM Loan Education and Information
Who are we at Non-QM Loans.com?
We connect borrowers with the right licensed lender for their exact financing needs. We are a team of licensed mortgage professionals, real estate financing experts, and Non-QM loan specialists committed to educating the public and real estate agents by providing information and educational resources on alternative lending solutions. Non QM Loans are great options for self-employed borrowers, real estate investors, and high-net-worth individuals. We specialize in teaching about bank statement loans, DSCR loans, P&L loans, 1099 loans, no limit jumbo financing, and combined full doc with alternative doc approvals, ensuring that every borrower has access to the best mortgage options tailored to their financial situation.
Traditional lending often excludes self-employed individuals, investors, and business owners due to strict documentation requirements. We bridge that gap, offering flexible loan programs that allow borrowers to qualify using alternative income verification methods.
Learn About Non QM Loan Options
| Loan Type | Best For | LTV | Min Fico | Cash Out Option | Qualification Method |
|---|---|---|---|---|---|
| DSCR- Debt Service Coverage Ratio |
Real Estate Investors Using Rental Income |
85% |
660 |
Yes |
DSCR - Rental Income Based-No tax Returns Required |
| Bank Statement |
Self Employed Borrowers |
90% |
680 |
Yes |
12-24 months bank statements |
| P&L Only Loan |
Business Owners |
85% |
660 |
Yes |
CPA-Prepared Profit & Loss Statement |
| 1099 and VOE Loans |
Independent Contractors |
85% |
660 |
Yes |
1099 earnings statement or verification of employment |
| No Limit Jumbo |
High Income Borrowers Financing High Value Property |
60% |
660 |
Yes |
Finance ANY loan amount-NO LIMIT on final loan amount with 40% down |
| Hard Money-No Doc Loan |
Fix and Flip Investors |
Varies |
No Min |
Yes |
Asset Based Lending-Fast Closing |
| Full Doc |
Primary Residence, Second Home, Investment |
90% |
660 |
Yes |
Full Doc |
Why Choose Non-QM Loans.com?
✔ Industry Experts – Years of experience in Non-QM lending, real estate financing, and mortgage consulting.
✔ Flexible Loan Programs – Specializing in
Bank Statement Loans,
DSCR Loans,
No Limit Jumbo Loans, and other
Non-QM mortgage solutions.
✔
Fast Approvals & Closings – Speed matters. Our streamlined process ensures quick approvals and smooth transactions.
✔ Dedicated Customer Service – We prioritize education, transparency, and personalized loan solutions for every borrower. Our goal is to connect you with the exact licensed non qm loan expert you need for the loan product that's right for your specific financing needs.
✔
Investor-Friendly Loan Options –
DSCR loans,
high LTV cash-out refinancing, and
flexible qualification criteria
for
real estate investors.
✔
Self-Employed Borrower Solutions –
No W-2s,
no tax returns needed! We specialize in helping business owners and independent contractors qualify for mortgage financing.
Our Mission
Our mission is simple: Connect people with a Non QM Licensed Lending Experts that can provide real mortgage solutions that empower borrowers who don’t fit into traditional lending boxes. Whether you’re a business owner, real estate investor, or someone with a non-traditional income stream, we are here to ensure you get the financing you need—without the unnecessary roadblocks.
We believe that everyone deserves access to homeownership and investment opportunities, and we work tirelessly to offer custom loan solutions that fit unique financial situations.
How We Work at Non-QM Loans.com
1. Personalized Consultation
- We connect you with a lender who will immediately review your financial situation and recommend the best loan options tailored to your needs.
- No cookie-cutter loans—every solution is customized for the borrower.
2. Fast Pre-Approval & Processing
- Our Non-QM Lenders offer quick pre-approvals, allowing you to move forward with confidence.
- No unnecessary delays—our process is designed for speed and efficiency.
3. Seamless Loan Closing
- Our Non-QM Loan expert team ensures a smooth, hassle-free closing process with minimal paperwork.
- We work closely with borrowers, real estate agents, and investors to finalize deals quickly.
Our Non QM Loan Experts Specialize In..
We are dedicated to matching you with a team of mortgage industry professionals with decades of experience in real estate lending.
- Non-QM & Alternative Lending
- Investment Property Financing
- Self-Employed Mortgage Solutions
- High-Value & No Limit Jumbo Loans
- Creative Loan Structuring & Approvals
We understand that every borrower’s situation is unique, which is why we take a personalized approach to mortgage lending. Whether you're looking to buy your dream home, invest in real estate, or refinance for better terms, we have the right loan for you.
Want to connect with a licensed
Non-QM Lender?
Have Questions? Contact us Today!
Need a Conventional Lender?
Check Out These Other Resources
Frequently Asked Non-QM Loan.com Questions-FAQ
What makes a Non-QM loan different from a traditional loan?
Non-QM loans allow alternative income verification, higher loan amounts, and flexible qualification criteria, making them ideal for self-employed borrowers, real estate investors, and high-net-worth individuals.
Do I need tax returns for a Non-QM loan?
Not always! We offer bank statement loans, DSCR loans, 1099 loans, and P&L loans, which allow borrowers to qualify without tax returns or W-2s.
How fast can I get approved for a mortgage?
Our loan programs are designed for quick approvals—many borrowers receive pre-approvals within 24-48 hours, with closings in 15-30 days depending on the loan type.
Can I qualify for a mortgage if I’m self-employed?
Absolutely! We specialize in helping self-employed borrowers secure financing using bank statements, 1099 earnings, or profit & loss statements instead of tax returns.
Are There DSCR Loans With Interest-Only Payments?
Yes! Many DSCR loans offer interest-only payment options, reducing monthly mortgage payments.
Do you offer investor-friendly loan options?
Yes! We offer DSCR loans, hard money loans, and high-LTV financing tailored for real estate investors looking to expand their portfolios.
Want to connect with a licensed
Non-QM Lender?
Have Questions? Contact us Today!
Need a Conventional Lender?
Check Out These Other Resources
Creative Financing Education
At Non-QM Loans.com, we take pride in our ability to connect people with innovative financing solutions tailored to their unique needs.
