If you're self-employed, a real estate investor, a high earner with complex income, or someone who's been told “you won't qualify for a conventional mortgage” — Non-QM loans may be exactly what you've been looking for. Here's what they are and who they're for.

What “Non-QM” MeansQM stands for “Qualified Mortgage” — a government-defined standard that most conventional and government-backed loans follow. Non-QM loans don't fit that standard, which actually gives them more flexibility — not less credibility. They're made by real lenders, secured by real properties, and they help real borrowers who don't fit a standardized mold.

Bank Statement Loans — For the Self-Employed

Instead of tax returns (which often show low taxable income for business owners), bank statement loans use 12–24 months of personal or business bank statements to qualify income. Your actual deposits count — not what the IRS sees after deductions.

DSCR Loans — For Real Estate Investors

Debt Service Coverage Ratio (DSCR) loans qualify based on the rental income of the property, not your personal income. If the property's rent covers the mortgage, you may qualify — regardless of how many other properties you own or what your personal tax returns look like.

Asset Depletion Loans

If you have significant assets (savings, investments, retirement accounts) but limited monthly income, an asset depletion loan converts your assets into a calculated “income” for qualification purposes. Commonly used by retirees and high-net-worth buyers.

Have a question about your specific situation? Call or text (269) 830-0020 directly.

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Frequently Asked Questions

Are Non-QM loans higher risk?▾
Non-QM loans do typically carry slightly higher rates than conforming loans — reflecting the additional flexibility they offer. But they are not predatory or subprime products. They're underwritten carefully by legitimate lenders and serve a real need for borrowers who simply don't fit Fannie Mae's income documentation requirements. Many highly successful, creditworthy people use them.
What credit score do I need for a Non-QM loan?▾
Most Non-QM programs require a minimum credit score of 620–660, though some go lower with compensating factors like a larger down payment. The requirements vary significantly by program type. I match borrowers to the right Non-QM product for their specific credit profile and financial situation.
How much down payment is required for a Non-QM loan?▾
Typically 10–25% depending on the program, loan amount, and credit profile. DSCR loans for investment properties commonly require 20–25% down. Bank statement loans may allow 10% down with a strong credit score. Each program is different and I'll match you to what fits your situation.

Been told you can't qualify for a mortgage? Let's find out if Non-QM changes that.

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