Traditional mortgage loans from Fannie Mae and Freddie Mac have strict requirements for income, credit, and job stability. But what if you don’t fit the mold?
A Non-Qualified Mortgage (Non-QM) loan could be the solution. Curious about how it works? Our guide breaks down non-traditional loan programs designed to match your unique financial situation—so you can get one step closer to homeownership.
Traditional loans have strict requirements, but Non-QM loans offer flexible options for:
✅ Retirees
✅ Real estate investors
✅ Self-employed & gig workers
✅ Those with high debt-to-income ratios
✅ Borrowers with past credit challenges
If a traditional loan isn’t the right fit, a Non-QM loan could be your path to homeownership. Let’s explore your options!
Traditional lenders rely on documents like:
📄 W-2s
📄 Bank statements
📄 Pay stubs
📄 Tax returns
But Non-QM loans offer flexibility, allowing alternative income documentation to help you qualify.
Let’s find a loan that works for you!.
Non-QM loans break the traditional rules, giving you more flexibility to qualify—even if:
💳 Your credit score is as low as 500
📊 Your debt-to-income (DTI) ratio is above 43%—sometimes even 50%+
Homeownership isn’t one-size-fits-all, and neither are your loan options. Let’s find the right fit for you.
Your dream home might be closer than you think!
With a variety of Non-QM loan options, there’s a good chance one is the perfect fit for your unique situation. Whether you’re self-employed, have past credit challenges, or need more flexibility, we’re here to help.
Let’s explore your options and turn your homeownership dreams into reality—reach out today!
