Updated December 2024
Compare Non-QM Lenders
See how top Non-QM lenders stack up against each other. Compare rates, requirements, and features to find the perfect match for your situation.
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
Program Comparison
Select programs to compare side-by-side. Click on program buttons to add or remove from comparison.
Why Compare Before You Apply?
Shopping around for a mortgage can save you thousands of dollars over the life of your loan.
Save Money
A 0.5% rate difference on a $400K loan saves over $40,000 in interest over 30 years.
Find the Right Fit
Different lenders specialize in different scenarios. Find one that matches your profile.
Close Faster
Some lenders close in 21 days, others take 45+. Know what to expect upfront.
Trusted by leading Non-QM lenders
NS Funding
Newfi Lending
Angel Oak
Athas Capital
Civic Financial
Frequently Asked Questions
Get answers to common questions about comparing Non-QM lenders
The best program depends on your specific situation. Bank Statement loans are ideal for self-employed borrowers with strong deposits. DSCR loans work best for investors with rental properties. Asset Depletion suits high net worth individuals with significant liquid assets. Our comparison tools help you see the differences at a glance.
We provide information about lenders who are licensed and regulated in their respective states. Each lender listed in our directory maintains their own licensing and compliance. We encourage borrowers to verify lender credentials directly and check state licensing databases before proceeding with any loan application.
The rates shown are estimates based on typical scenarios. Your actual rate will depend on factors like credit score, down payment, loan amount, property type, and current market conditions. The rates are updated regularly but should be used for comparison purposes only. Get a personalized quote for exact pricing.
Yes! Our platform allows you to submit your information once and get matched with multiple lenders. This saves time and lets you compare actual offers side-by-side. We recommend comparing at least 3 lenders before making a decision.
After selecting a lender, you'll be connected with a dedicated Mortgage Loan Officer (MLO) who will guide you through the application process. They'll collect your documents, submit your application, and keep you updated throughout the process until closing.
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