New: Expanded Non-QM GuidelinesTrusted by 10,000+ Borrowers

Find Your Perfect Non-QM Lender in Minutes, Not Days

Stop wasting time with lenders who don't understand your situation. We're an independent platform that connects self-employed professionals, real estate investors, and business owners with specialized Non-QM lenders who actually approve loans like yours. No tax returns? No problem.

✓ No credit check required  •  ✓ 2-minute questionnaire  •  ✓ No obligation

No Perfect Credit Needed
Alternative Income Docs
Happy homeowners in front of a house

Tailored Lending Solutions

Traditional banks say "no" because you don't fit their box. We say "yes" because we look at the whole picture.

Bank Statement Loans
For Self-Employed Borrowers

No tax returns required. Qualify using 12 or 24 months of personal or business bank statements to prove your income.

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Investment Property Loans
For Real Estate Investors

Finance unlimited rental properties with DSCR loans. Qualify based on property income, not personal income. Close in your LLC.

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Asset Depletion
High Net Worth Individuals

Use your liquid assets to qualify for a mortgage. Perfect for retirees or those with significant savings but low monthly income.

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1099 Income
Freelancers & Contractors

Use your 1099 forms to qualify instead of tax returns. Ideal for gig economy workers and independent contractors.

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Foreign National
Non-US Citizens

Loans for non-permanent residents and foreign nationals looking to invest in US real estate.

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Recent Credit Events
Bankruptcy or Foreclosure

We have programs that allow for shorter seasoning periods after bankruptcy, foreclosure, or short sales.

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New: Financial Planning Tools

Not Ready Yet? We'll Help You Get There

If you don't qualify today, we provide personalized guidance and tools to help you achieve your homeownership goals.

Credit Improvement Roadmap
Personalized Action Plan

Get specific, actionable recommendations to improve your credit score. See exactly what steps to take and when.

Financial Planning Tools
Budget, Save & Plan

Budgeting calculator, down payment savings tracker, and DTI optimizer to help you prepare for homeownership.

Pre-Qualification Timeline
Track Your Progress

See how far you are from qualifying and track your progress with milestone updates and personalized guidance.

Trusted by thousands of borrowers nationwide

Verified Lenders

Trusted Information Source

15+ Years

Industry Experience

10,000+

Borrowers Helped

21 Days

Average Closing Time

$2B+

Loans Funded

4.9/5

Customer Rating

What Our Clients Say

Real stories from borrowers who found their perfect lending solution

"As a self-employed contractor, I was turned down by three traditional banks. NonQM Lending matched me with a lender who understood my income and closed in just 18 days. The process was seamless."

Michael R.

Business Owner · Los Angeles, CA

Bank Statement Loan

Trusted by leading Non-QM lenders

NS Funding
Newfi Lending
Angel Oak
Athas Capital
Civic Financial
Credit Education

All Credit Scores Welcome — even No Score

Learning about money with guardrails in place. We're here to help you understand credit and take practical, safe steps forward.

What We Do
  • Explain credit in plain English
  • Share step-by-step next steps
  • Point you to reputable tools you can choose
  • Encourage checking reports for accuracy
What We Don't Do
  • No guarantees or miracle claims
  • No shady hacks or pressure tactics
  • No disputing accurate information
  • We are not a credit repair company

Choose Your Path

No credit score?

If you have little or no credit history, start here to learn how to build credit from scratch.

Start here
Low score?

Learn safe, practical steps to improve your credit score without falling for scams or quick fixes.

Raise it the safe way
Fix errors & monitor

Find tools to dispute errors, report rent payments, and monitor your credit progress.

Browse tools
Next Steps Checklist
  1. 1Pull your official credit reports (free).
  2. 2Check for errors or accounts you don't recognize.
  3. 3Get current on payments (or set a plan).
  4. 4Lower credit card utilization if possible.
  5. 5Add positive history (secured card or credit builder).
  6. 6Consider rent reporting if it fits your situation.
  7. 7Track monthly progress—don't obsess daily.

Non-QM Lenders is not a credit repair company. This is educational information only; not financial or legal advice. Results vary.

Frequently Asked Questions

Get answers to common questions about Non-QM loans

Non-QM (Non-Qualified Mortgage) loans are mortgage products that don't meet the Consumer Financial Protection Bureau's qualified mortgage standards. They're designed for borrowers who may not qualify for traditional loans due to self-employment income, recent credit events, or non-traditional income documentation. These loans offer flexible underwriting while still being safe, responsible lending products.
Bank Statement loans are ideal for self-employed borrowers, business owners, freelancers, and 1099 contractors who have difficulty documenting their income through traditional tax returns. You'll typically need 12-24 months of personal or business bank statements, a minimum credit score of 620-660, and a down payment of 10-20% depending on the lender.
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors. Instead of verifying your personal income, lenders look at the property's rental income compared to the mortgage payment. A DSCR of 1.0 means the rent covers the mortgage; most lenders require a DSCR of 0.75-1.25. This allows investors to qualify based on the investment property's cash flow rather than their personal finances.
Non-QM loans typically close in 21-30 days, which is comparable to or faster than traditional mortgages. The exact timeline depends on the loan program, property type, and how quickly you can provide documentation. Bank Statement and DSCR loans often close faster because they require less documentation than traditional loans.
We can go as low as 500 credit score with 10% down payment through FHA manual underwriting guidelines. For Non-QM programs: Bank Statement loans typically require 580-620, DSCR loans require 620-660, Asset Depletion loans require 640-680, and Foreign National loans require 660+. Higher credit scores result in better rates. See the FHA Single Family Housing Policy Handbook (HUD 4000.1) Section II.A.5 for manual underwriting requirements at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh/4000.1
Non-QM loan rates are typically 0.5% to 2% higher than conventional loan rates, reflecting the additional flexibility and risk these programs offer. However, rates vary significantly based on credit score, down payment, loan-to-value ratio, and the specific program. Many borrowers find that the ability to qualify and the flexibility offered outweigh the slightly higher rate.
Yes! Many Non-QM programs are specifically designed for investment properties. DSCR loans are the most popular option for investors, but Bank Statement and Asset Depletion loans can also be used for investment properties. Some programs allow unlimited financed properties, making them ideal for portfolio investors.
Documentation requirements vary by program. Bank Statement loans require 12-24 months of bank statements. DSCR loans require a lease agreement or market rent analysis. Asset Depletion loans require asset statements (bank, investment, retirement accounts). All programs typically require ID, property information, and standard loan application documents.

Ready to Find Your Solution?

Our pre-approval process is simple, fast, and won't affect your credit score. Get started today and see what you qualify for.

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