Loan Programs

Explore our diverse range of Non-QM and Non-Prime mortgage solutions designed to fit your unique financial situation.

Self-Employed Solution

Bank Statement Loans

Perfect for business owners, freelancers, and entrepreneurs who write off expenses on their tax returns. We use your bank deposits to calculate your income, not your net taxable income.

  • No Tax Returns Required: Keep your tax returns private.
  • 12 or 24 Months: Provide personal or business bank statements.
  • High Loan Amounts: Jumbo loans available up to $3M+.
  • Up to 90% LTV: Low down payment options available.

Who is this for?

Business Owners
Owners with complex tax structures or significant write-offs.
Freelancers
Gig economy workers with consistent deposit history.
Consultants
Professionals with variable income streams.

Frequently Asked Questions

Get answers to common questions about Non-QM loan programs.

A Non-QM (Non-Qualified Mortgage) loan is a mortgage that doesn't meet the Consumer Financial Protection Bureau's qualified mortgage standards. These loans offer flexible documentation requirements for borrowers who may not qualify for traditional mortgages, such as self-employed individuals, real estate investors, or those with non-traditional income sources.
Bank Statement loans are ideal for self-employed borrowers, business owners, freelancers, and contractors who have significant tax write-offs. You'll need 12-24 months of personal or business bank statements, a minimum credit score (typically 620+), and sufficient assets for down payment and reserves.
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's rental income rather than your personal income. The DSCR compares the property's expected rental income to the mortgage payment. A DSCR of 1.0 means the rent covers the mortgage; most lenders require 1.0-1.25 DSCR.
Asset Depletion allows you to qualify using your liquid assets (savings, investments, retirement accounts) instead of employment income. The lender divides your eligible assets by a set number of months (typically 60-84) to calculate a monthly income figure for qualification purposes.
Credit score requirements vary by program and lender. Bank Statement loans typically require 620-660+, DSCR loans often accept 620+, and Asset Depletion programs may require 680+. Higher credit scores generally result in better rates and terms.
Non-QM loans typically have slightly higher interest rates than conventional mortgages due to the increased flexibility and risk. However, rates vary significantly based on credit score, down payment, loan type, and lender. Many borrowers find the trade-off worthwhile for the flexible qualification requirements.
Yes! DSCR loans are specifically designed for investment properties. Bank Statement and Asset Depletion loans can also be used for investment properties in many cases. These programs are popular with real estate investors building rental portfolios.
Non-QM loans typically close in 21-45 days, similar to conventional mortgages. The timeline depends on documentation completeness, appraisal scheduling, and lender processing times. Having all required documents ready can help expedite the process.

Not Sure Which Program Fits?

Our team can help you find the right Non-QM solution based on your unique financial situation.