Non-QM

Self-Employed Mortgages | DSCR Mortgages | Asset Based Mortgages

We Have Mortgage Options Others Don't

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CA | FL | GA | NC | SC

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Self-Employed Mortgages, DSCR Mortgages, Asset Based Mortgages

AKA

Non-QM Loans

We Specailize In These Solutions

See below and Contact Us to learn more!

Bank Statement Mortgage for Self-Employed

  • Mortgage qualify using only bank statements (business or personal accounts)
  • Sole proprietors, 1099/Contractors, LLCs, Corporations, Partnerships
  • Mortgages with no tax returns, 1099s, W2s, or paychecks
  • Primary Homes, 2nd Homes, Rental Homes

 

Purchase

Cash-Out Refi
Debt consolidation, business loans, and more

No Cash-Out Refi
Refi hard money, balloon payments, and more

DSCR Investor Cash Flow Rental Income Only

  • Debt Service Coverage Ratio mortgages for rental homes
  • Mortgage qualify using only rental income, including Short Term Rent (Airbnb, etc.) or Long Term Rent (leased)
  • Mortgages with no tax returns, 1099s, W2s, or paychecks

 

 

Purchase

Cash-Out Refi
Debt consolidation, business loans, and more

No Cash-Out Refi
Refi hard money, balloon payments, and more

Asset Based Mortgage
No Income Required

  • Mortgage qualify using only assets. Asset Based Mortgages for people who don’t need financing but prefer a mortgage. 
  • No Distributions Required
  • Eligible Assets: Checking, Savings, Investment, Retirement
  • Mortgages with no tax returns, 1099s, W2s, or paychecks
  • Primary Homes, 2nd Homes, Rental Homes

 

Purchase

Cash-Out Refi
Case-by-Case

No Cash-Out Refi
Refi hard money, balloon payments, and more

Commonly Used Non-QM Mortgage Terms

  • 1099 loan
  • 1099 mortgage
  • 1099 home loan
  • 1099 refinance

 

  • Asset Based loan
  • Asset Based mortgage
  • Asset Based home loan
  • Asset Based refinance

 

  • Asset Depletion loan
  • Asset Depletion mortgage
  • Asset Depletion home loan
  • Asset Depletion refinance

 

  • Asset Utilization loan
  • Asset Utilization mortgage
  • Asset Utilization home loan
  • Asset Utilization refinance
  • Bank Statement loan
  • Bank Statement mortgage
  • Bank Statement home loan
  • Bank Statement refinance

 

  • Business Owner loan
  • Business Owner mortgage
  • Business Owner home loan
  • Business Owner refinance

 

  • Self-Employed loan
  • Self-Employed mortgage
  • Self-Employed home loan
  • Self-Employed refinance

 

  • No Tax Return loan
  • No Tax Return mortgage
  • No Tax Return home loan
  • No Tax Return refinance
  • Non-Conforming loan
  • Non-Conforming mortgage
  • Non-Conforming home loan
  • Non-Conforming refinance

 

  • No Income loan
  • No Income mortgage
  • No Income home loan
  • No Income refinance

 

  • No Doc loan
  • No Doc mortgage
  • No Doc home loan
  • No Doc refinance

 

  • Stated Income loan
  • Stated Income mortgage
  • Stated Income home loan
  • Stated Income refinance

We Have Mortgage Options Others Don't

Proudly serving
CA | FL | GA | NC | SC

Contact Us Form