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Qualification Checklist

Everything you need to prepare for your NonQM loan application

NonQM Lending Team

8 min read

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Pre-Application Preparation

Review your credit report Gather last 2 years of tax returns Collect 2-3 months of bank statements Document your employment history Calculate your debt-to-income ratio

Financial Documentation

Personal tax returns (2 years) Business tax returns (if applicable) Bank statements (3 months) Investment account statements Proof of down payment funds

Property Information

Property address and details Current property appraisal Rental income documentation (if applicable) Property insurance quotes HOA documents (if applicable)

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Disclaimer: NonQM Lending is an independent information directory, not a lender. We provide educational resources about Non-QM mortgage products and connect borrowers with licensed lenders. Rates, terms, and program availability vary by lender and are subject to change without notice. Always verify lender credentials through official state licensing databases before proceeding.