Loan Programs
Non-QM Loans
Loans for borrowers whose income doesn't fit standard paperwork.
Non-QM loans fall outside the standard qualified mortgage rules. They give lenders other ways to verify that you can repay, which helps borrowers whose tax returns don't reflect what they actually earn.
Rates and down payment requirements on Non-QM loans are usually higher than on conventional loans, so Kam will tell you plainly whether a standard program could work first.
Options
Non-QM options
Bank statement loans
Qualify on 12 or 24 months of business or personal bank deposits instead of tax returns.
DSCR loans
For investors: qualify on the property's rental income rather than your personal income.
Asset-based loans
Qualify using substantial savings or investment accounts.
Foreign national loans
Financing for buyers without U.S. credit history or residency.
Requirements
What lenders look for
Benefits
Why borrowers choose it
Income that matches reality
Business owners qualify on what the business actually brings in.
Investor friendly
DSCR loans let you grow a rental portfolio without personal income limits.
A path to conventional
Many borrowers refinance into a conventional loan once their paperwork supports it.
Guidelines shown are typical and vary by lender. Loan approval, rates and terms depend on credit, income, property and lender guidelines. Program availability and requirements are subject to change. This is not a commitment to lend.
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