Non-QM home loans
A home loan built around your real situation.
If your income or credit history doesn't fit a standard loan, a non-QM loan looks at more of the picture. We explain every step in plain language.
Who it's for
Who it's a good fit for
- Self-employed borrowers with income that's hard to document the usual way
- Buyers with a past credit event who have since rebuilt
- Borrowers with significant assets but irregular income
- California homes, owner-occupied or second homes
What we look at
Your income
Documented in ways that fit you, such as bank statements or asset records.
Your credit history
The full story, not just a score.
The home
Value, condition and your equity or down payment.
Program highlights
In-house
Underwriting
24 hr
Get your terms
California
Homes we lend on
Subject to credit approval and underwriting. Not all applicants will qualify.
Equal Housing Opportunity.
Questions
Straight answers
What is a non-QM loan?
A home loan that doesn't follow the standard qualified mortgage guidelines, so income and credit can be reviewed more flexibly. Income is still verified.
Is non-QM right for me?
A lender will walk through your situation and explain your options. Subject to credit approval and underwriting.
Move now
Deadline coming? Let's move.
Tell us the deal today. Get your terms in 24 hours.
Subject to underwriting and property evaluation. Not all applicants will qualify.