Self-employed borrowers, investors and unique scenarios
Non-QM loans
Alternative qualification paths when your income does not fit standard guidelines.
What it usually takes
A reasonable down payment, often larger than agency loans, a solid credit profile and reserves, and a clear explanation of your income story.
Potential benefits
Qualify when traditional income documents do not fit, with options for self-employed and investor borrowers and flexible underwriting.
Compare conventional first
When you and the property can meet agency requirements, a conventional loan is worth comparing before assuming Non-QM is needed. We run both.
Eligibility, limits and terms depend on the program guidelines in effect when you apply and on your full application. This page is general information, not a loan offer.
See if I qualifyOther programs
Conventional loans
Flexible, widely used financing for primary homes, second homes and investment properties.
FHA loans
Lower down payments and flexible credit requirements — one of the most accessible paths to owning.
VA loans
$0 down and no monthly mortgage insurance for eligible veterans, service members and their families.