Loan Program
Non-QM Loans
Creative structures for borrowers outside the traditional box.
Overview
Non-QM (Non-Qualified Mortgage) is not a single product — it's a family of solutions for borrowers outside the standard box. Recent credit events, foreign nationals, asset-only qualifying, ITIN, P&L only — creative structures for real-world files.
Who it's for
- Recent credit events (BK, foreclosure, short sale)
- Foreign nationals purchasing U.S. property
- Asset-rich, income-optimized borrowers
- ITIN borrowers
Benefits
- Alternative documentation
- Post-event financing available soon after seasoning
- Asset depletion / asset-only options
- Flexible property types
Common Questions
What documentation is required?
It varies by program — bank statements, P&Ls, assets, or 1099s. We match documentation to the strongest angle of your file.
Is the rate a lot higher?
Non-QM typically prices modestly above conventional, but the goal is a real solution — we can plan a refinance later if the market allows.
Can foreign nationals qualify?
Yes — many Non-QM programs are built for foreign national purchases.
Explore other programs