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

Choose Your Path

Tell us about your situation and we'll match you with the right Non-QM program in under 2 minutes.

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.

Learn more
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.

Learn more
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.

Learn more
1099 Income
Freelancers & Contractors

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

Learn more
Foreign National
Non-US Citizens

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

Learn more
Recent Credit Events
Bankruptcy or Foreclosure

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

Learn more
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

NorthStar Funding NMLS 139369
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.

Non-QM vs. Conventional vs. FHA

See exactly how Non-QM loans compare to conventional and FHA mortgages so you can choose the right program for your situation.

FeatureNon-QM / Non-PrimeConventionalFHA
Minimum Credit Score500–620 (program dependent)620–640500–580
Income DocumentationBank statements, 1099, P&L, asset depletionW-2 / tax returns requiredW-2 / tax returns required
Self-Employed Friendly Yes Limited Limited
No Tax Returns Required Yes No No
Investment Property Eligible Yes Limited No
Foreign National Eligible Yes No No
Recent Bankruptcy / Foreclosure Yes No Limited
Max Loan AmountUp to $3M+Up to $766,550 (conforming)Up to $472,030
Minimum Down Payment10–20%3–5%3.5%
Debt-to-Income RatioUp to 55% (flexible)43–45% max43–50% max
Mortgage Insurance Required No Limited Yes
Typical Closing Time21–30 days30–45 days30–60 days
Unlimited Financed Properties Yes No No
Interest-Only Option Yes No No

Not sure which program fits your situation?

Free: Non-QM Loan Qualification Checklist

Download our step-by-step checklist to see exactly what documents you need to qualify for a Bank Statement, DSCR, or Asset Depletion loan.

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 CFPB'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 responsible lending products.
Non-QM loans are ideal for self-employed borrowers, real estate investors, foreign nationals, high-net-worth individuals with significant assets, gig economy workers, and anyone who has experienced a recent credit event like a bankruptcy or foreclosure. If a traditional bank has turned you down, a Non-QM program may be the right fit.
A Bank Statement loan lets self-employed borrowers qualify using 12 or 24 months of personal or business bank statements instead of tax returns. This is ideal for business owners who have significant write-offs that reduce their taxable income but have strong actual cash flow.
A DSCR (Debt Service Coverage Ratio) loan qualifies real estate investors based on the rental income of the property rather than personal income. If the property's rent covers the mortgage payment (DSCR ≥ 1.0), you can qualify without providing W-2s or tax returns.
Asset Depletion loans allow borrowers to use their liquid assets — savings, investment accounts, or retirement funds — as a qualifying income source. The lender divides your total eligible assets by a set number of months to calculate a monthly income figure. This is popular with retirees and high-net-worth individuals.
Minimum credit score requirements vary by program. Bank Statement loans typically require 620–660+, DSCR loans often accept 620+, and some programs go as low as 500 with compensating factors. Higher scores result in better rates and terms.
Non-QM rates are typically 0.5%–2% higher than conventional rates, reflecting the additional flexibility these programs offer. However, for borrowers who cannot qualify conventionally, Non-QM is often the only path to homeownership or investment — making the slightly higher rate well worth it.
Down payment requirements vary by program. Most Non-QM loans require 10–20% down. DSCR loans often require 20–25% for investment properties. Some programs allow as little as 10% with a strong credit profile.
Yes — many Non-QM programs are specifically designed for investment properties. DSCR loans are the most popular option for investors, as they qualify based on the property's rental income. Some programs allow unlimited financed properties, making them ideal for portfolio investors.
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 documentation is provided.
Yes. Non-QM programs have shorter seasoning requirements than conventional loans. Many programs accept borrowers as soon as 1 day out of foreclosure or bankruptcy, depending on the loan-to-value ratio and credit profile. Conventional loans typically require 2–7 years of seasoning.
A 1099 Income loan lets freelancers, independent contractors, and gig workers qualify using their 1099 forms instead of tax returns. This is especially useful for borrowers whose tax deductions reduce their reported income significantly.
Foreign National loans are designed for non-US citizens and non-permanent residents who want to purchase US real estate. These programs typically require a larger down payment (30–40%) and do not require a US credit history.
Our initial pre-qualification process uses a soft credit pull, which does not affect your credit score. A hard pull is only performed when you formally apply and authorize it.
The easiest way to get started is to use our free qualification tool at /get-started. It takes about 3 minutes, uses a soft credit pull, and gives you a clear picture of which programs you qualify for and at what rates.

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.

256-bit SSL Encryption
SOC 2 Compliant
BBB A+ Rated