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Non-Qualified Mortgage

If your financial profile doesn’t align with conventional lending requirements, a Non-Qualified Mortgage could be the right solution. Designed for borrowers with unique income situations or credit histories, Non-QM loans offer the flexibility you need to move forward with homeownership or investment goals.

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Non-QM Loan Information

A Non-Qualified Mortgage (Non-QM) is a flexible home financing option for borrowers who don’t meet the strict criteria of traditional loans. Unlike Qualified Mortgages, which follow specific consumer protection rules under the Dodd-Frank Act, Non-QM loans are designed to serve individuals with unique income structures, higher debt-to-income (DTI) ratios, or unconventional financial documentation.

If you’re self-employed, have irregular income, or have experienced recent credit challenges, a Non-QM loan could provide the path to homeownership or investment you’ve been looking for.

  • Self-Employed Borrowers: Non-QM lenders may offer bank statement loans using 12–24 months of bank activity instead of tax returns or W-2s.
  • High Net-Worth Individuals: Asset depletion loans qualify borrowers by converting assets into income—ideal for retirees, entrepreneurs, or investors.
  • Real Estate Investors: DSCR loans and other Non-QM products let investors continue growing portfolios—even with more than 10 financed properties.
  • Borrowers with Recent Credit Events: Recently experienced a bankruptcy or foreclosure? Non-QM loans often skip the long waiting periods of conventional options.
  • Foreign Nationals: Non-QM loans offer viable financing even without U.S. income, credit history, or a Social Security number.
  • Interest-Only Payment Options: Manage cash flow more easily with interest-only payment structures during variable income periods.

If you have the ability to repay but don’t meet standard lending guidelines, a Non-QM mortgage may be the right solution. Whether you’re self-employed with strong earnings, rebuilding after a credit event, or investing from abroad, Non-QM loans open the door to home financing that fits your unique profile.

At Bravo Mortgage, we understand that not every borrower fits into a conventional box. Our team is here to guide you through your options, evaluate your eligibility, and deliver a lending solution that works with your lifestyle—not against it.

Let’s explore the right Non-QM loan for your needs. Contact us today.

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