Loan Programs
Non-QM / Bank Statement Loans
Self-employed? High income that doesn't show up cleanly on tax returns? There's a loan for that.
What is a Non-QM loan?
Non-QM (non-qualified mortgage) loans are designed for borrowers who can clearly afford a loan but don't fit the income documentation requirements of conventional or government programs. The most common type is the bank statement loan — instead of W-2s and tax returns, you qualify using 12 or 24 months of personal or business bank statements.
Non-QM rates are typically higher than conventional rates, reflecting the additional risk lenders take on. But for the right borrower, they're often the only viable path to ownership — and the rate is frequently better than renting indefinitely.
Who qualifies?
- ✓Self-employed business owners (2+ years)
- ✓Freelancers, consultants, gig workers
- ✓Real estate investors (DSCR loans)
- ✓High-net-worth borrowers with complex income
- ✓Foreign nationals
- ✓Recent credit events (1–2 years seasoning)
- ✓Asset depletion qualification
Been turned down by traditional lenders?
I specialize in finding the right Non-QM lender for your income structure. Tell me your situation and I'll find out if you qualify.
Start pre-qualification