What counts as Non-QM?

Loans that do not meet Qualified Mortgage standards, often using alternative documentation.

Is Non-QM right for me?

If your profile is strong but doesn’t fit standard rules, Non-QM may be a match.

Loan product

Flexible Options with Non-QM

Alternative documentation and tailored underwriting for unique borrower profiles.

Get My Non-QM Options Find My Fit

Alt-docFlexible

How it works

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Alt documentation

Bank statements, assets, or other proofs.

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Tailored fit

Underwriting considers broader factors.

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Fast decisions

Streamlined reviews for qualified scenarios.

Non-QM vs QM

Pros

Flexible docs
Niche scenarios

Cons

Pricing can be higher

Estimate ARM vs Fixed

Quick estimate of potential monthly payment difference. For illustration only; actual terms vary.

Loan amount

ARM intro rate %

Fixed-rate %

Term (years)

Estimated monthly payment

ARM intro

$1933

Fixed-rate

$2155

Potential monthly difference: $222

Actual payments depend on program details, APR, MI, taxes, and insurance.

Choose your path

Self-employed

Use alt-doc options like bank statements.

Explore Bank Statement

Investor

Consider DSCR or asset-based programs.

View DSCR

Trusted by borrowers

Alt-docTailored

NMLS: 2530539

Equal Housing Lender

“Finally a program that fit my unique income.”

Ravi K.

FAQs

Find the right Non-QM path

Share your income documentation and financing goal so we can prepare a relevant alternative-qualification route.