Non-QM (Non-Qualified Mortgage) Loans

Non-QM loans are flexible mortgage options designed for borrowers who don’t meet traditional lending guidelines but are still financially strong. These programs focus on a borrower’s ability to repay, using alternative documentation instead of standard W-2s or tax returns.

Congratulations! You're ready to refinance your home loan

refinance

Refinance Your Home with Confidence

Refinancing your home can be a smart move when interest rates drop, your financial goals change, or you want to take advantage of your home’s equity. Whether you’re looking to lower your monthly payment, shorten your loan term, or consolidate debt, I’ll help you explore the best options for your situation.

I offer personalized refinance solutions with access to a wide range of loan programs and competitive rates. From conventional refinances to FHA, VA, and cash-out options, I take the time to understand your needs and provide clear, honest guidance every step of the way.

With fast approvals, smooth processing, and strong local market expertise, I make refinancing simple and stress-free from start to finish. My goal is to help you save money, improve your financial position, and move forward with confidence.

Non-QM loans are ideal for:

  • Self-employed borrowers using bank statements or P&L income
  • Real estate investors qualifying with rental income or DSCR loans
  • High-net-worth individuals using asset-based or asset-depletion income
  • 1099 contractors & commission-based earners
  • ITIN borrowers without a Social Security number
  • Borrowers with recent credit events (bankruptcy, foreclosure, short sale)
  • Foreign nationals & visa holders

Buyers with complex or non-traditional income streams

Common Non-QM options include bank statement loans, DSCR investor loans, asset-depletion loans, interest-only loans, and jumbo Non-QM financing.

If you have strong cash flow but don’t fit inside the conventional mortgage box, Non-QM lending provides flexible, responsible solutions to help you buy or refinance residential and investment properties.

Your Home Loan Could Be Fully
Funded 30 Days From Now

1

Fixed Rates

2

Adjustable Rates Mortgage (ARM)

3

Conforming Loans

4

Jumbo & Super Jumbo Loans

5

FHA, VA, & USDA Loans

6

Terms from 5 to 30 Years

Ready to see if a Non-QM loan is right for you?

Schedule a no-pressure consultation today to explore your options and get a personalized Non-QM strategy built around your income, assets, and goals.