Get the funding you deserve—fast, easy, and with fewer hoops.

At NONQMFUNDS, we specialize in Non-QM mortgage solutions tailored for real estate investors, self-employed professionals, and foreign nationals. If the banks said “no,” we’re here to say “let’s make it work.” With over $11 billion funded, we’ve spent the last 20 years helping creditworthy borrowers get approved using alternative documentation like bank statements or rental income—not outdated checklists.

What is a Non-Qualified Mortgage?

A Non-Qualified Mortgage (Non-QM) is a type of home loan designed for borrowers who may not meet the strict guidelines set by traditional mortgage programs like conventional, FHA, or VA loans. These loans provide flexible options for people with unique financial situations, including self-employed individuals, real estate investors, gig workers, and those with complex income streams.

Why Do Non-QM Loans Exist?

Traditional mortgage lenders follow guidelines established by government-sponsored entities such as Fannie Mae and Freddie Mac. These guidelines require specific documentation, debt-to-income ratios, and proof of stable income. However, many creditworthy borrowers don’t fit into these narrow boxes.

Non-QM loans were created to fill this gap, allowing lenders to evaluate borrowers using alternative documentation and underwriting methods. This means your ability to repay the loan is assessed based on your overall financial profile, not just W2s or tax returns.

Who Benefits from a Non-Qualified Mortgage?

Non-QM mortgages are ideal for:

• Self-employed borrowers who write off business expenses and show a lower taxable income.
• Real estate investors seeking flexible financing for rental properties without strict income documentation.
• Foreign nationals who want to buy property in the U.S. but lack traditional credit history here.
• Gig economy workers and contractors with non-traditional income streams.
• Borrowers with recent credit events such as foreclosure, bankruptcy, or late payments, who need alternative financing solutions.
  
  

Key Features of Non-QM Mortgages

• Flexible income documentation. Qualify using bank statements, 1099s, asset depletion, or other alternative methods.
• Higher loan amounts. Many Non-QM programs offer jumbo loan options.
• No mortgage insurance required. Even with lower down payments in many programs.
• Quick approvals. Underwriting is based on real financial situations rather than rigid checklists.

Are Non-QM Mortgages Risky?

Non-QM loans are not “subprime” loans. Borrowers must still demonstrate their ability to repay. The difference is how that ability is documented and verified. These loans serve people with strong financial positions but non-traditional income documentation.

Why NONQMFUNDS?

• Fast Closings – Our streamlined process gets deals done, quickly.
• Minimal Documentation – No tax returns or W-2s needed for most loans.
• 20+ Years of Experience – Deep Non-QM expertise and a track record that speaks for itself.
• Tailored Loan Programs – Bank Statement, DSCR, ITIN, Hard Money, 1099, Jumbo & more.
  
  
  

Non-Qualified Mortgages open the door for many borrowers locked out by conventional lending guidelines. They provide a safe, flexible, and innovative way to buy a home or investment property when traditional underwriting falls short.

If you’re looking for a mortgage that understands your real financial story, a Non-QM loan might be the right choice for you.

Success Snapshot

🏡 Just funded a 3-unit investment property using only bank statements for a self-employed borrower who was turned down by his bank!

Ready to get started?
Let’s turn “no” into “approved.”