Get Matched with Top Lenders

Tell us about your situation and we'll connect you with qualified Non-QM lenders and MLOs who specialize in your type of loan. Free, no obligation.

Request a Match
Tell us a bit about yourself and your goals. We'll match you with a specialist who understands your needs.

By submitting this form, you agree to be contacted by NonQM Lending regarding your loan inquiry. We respect your privacy and will not sell your information.

Secure Process

Soft Credit Pull Only: When you speak with our specialists, we'll conduct a soft credit pull that does not affect your credit score.

Please do not select "Obtain your credit report" if prompted elsewhere—we handle this securely.

Required Documents
Have these ready to speed up the process:
  • Bank Statements: Most recent 2 months (all pages)
  • ID: Driver's License + SS Card or Passport
  • Income (W2): Last 2 years W-2s + 30 days pay stubs
  • Income (Self-Employed): Last 2 years tax returns (if available) or 12-24 months bank statements
  • Other Income: Award letters + 3 months bank statements for pension/SS
Upload Tips

Ensure all documents, including blank pages, are uploaded in PDF format for faster processing.

Free Download
Free: Investor Property Qualification Checklist
Get the exact checklist our loan specialists use to evaluate investor property loans — DSCR, Bank Statement, and more.

What's Inside:

  • Property income vs. mortgage payment calculator
  • Required reserves by loan type
  • Title and entity structure requirements
  • Common deal-killers and how to avoid them
Your information is secure and never shared

Frequently Asked Questions

Common questions about our pre-qualification process and Non-QM loans.

The initial pre-qualification typically takes just 5-10 minutes to complete the form. Once submitted, a specialist will review your information and contact you within 1-2 business days to discuss your options and next steps.
No. The initial pre-qualification uses a soft credit pull, which does not affect your credit score. A hard credit inquiry only occurs when you formally apply for a loan with a specific lender, and we'll always inform you before that happens.
For pre-qualification, you'll need basic information: name, email, estimated loan amount, credit score range, loan purpose, and employment type. You don't need to upload documents at this stage—that comes later in the formal application process.
We analyze your financial profile, loan needs, and preferences to match you with lenders who specialize in your situation. Our network includes lenders offering Bank Statement, DSCR, Asset Depletion, and other Non-QM programs.
No. Our pre-qualification service is completely free with no obligation. You're under no commitment to proceed with any lender we recommend. We're here to help you explore your options.
A loan specialist will review your information and contact you via email to discuss your situation in more detail. They'll explain your options, answer questions, and guide you through the next steps if you decide to proceed.
A Non-QM (Non-Qualified Mortgage) loan is a mortgage that doesn't meet the CFPB's qualified mortgage standards. These loans are designed for borrowers who have non-traditional income, recent credit events, or other factors that prevent them from qualifying for conventional loans.
Yes — self-employed borrowers are one of the primary audiences for Non-QM programs. Bank Statement loans let you qualify using 12 or 24 months of bank statements instead of tax returns, which is ideal if you have significant write-offs that reduce your reported income.
Yes. Non-QM programs have much shorter seasoning requirements than conventional loans. Some programs accept borrowers as soon as 1 day out of a foreclosure or bankruptcy, depending on the loan-to-value ratio and overall credit profile.
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 expected rent covers the mortgage payment, you can qualify without W-2s or tax returns.
Minimum credit score requirements vary by program. Bank Statement loans typically require 620+, DSCR loans often accept 620+, and some programs go as low as 500 with compensating factors such as a larger down payment.
Most Non-QM programs require 10–20% down. DSCR investment property loans typically require 20–25%. Some programs allow as little as 10% with a strong credit profile and sufficient reserves.
Non-QM rates are typically 0.5%–2% higher than conventional rates, reflecting the additional flexibility. For borrowers who cannot qualify conventionally, Non-QM is often the only path to homeownership or investment — making the slightly higher rate worthwhile.
Non-QM loans typically close in 21–30 days, comparable to or faster than traditional mortgages. Having your documentation ready upfront is the single biggest factor in a fast close.
Yes. All data submitted through our platform is encrypted in transit and at rest. We never sell your personal information to third parties. Your data is used solely to match you with appropriate lending programs.