Non-QM Loans
If your income does not fit a standard loan file, I can still help. I look at what you actually have and find a way forward.
What it is
A non-QM loan is a loan outside the standard qualified mortgage rules. It can work when your documents do not fit a standard loan file. I explain the options in plain language.
Who I help
- Self-employed people
- Bank statement borrowers
- People who do not fit standard documents
How it works
- We use bank statements and other documents to show income.
- I look at what you actually have, not just a standard pay stub.
- I explain which option fits you best.
Good to know
- Your home will need an appraisal, and your loan goes through underwriting.
- Terms vary by option, and I go over them with you before you apply.
- I stay in touch through every step, so you know what comes next.
My non-QM steps
1. Call me
Call me and we will go over your situation. I ask what documents you have, and we start there.
2. Review documents
I review your bank statements and documents. We find the option that fits what you have.
3. Apply
You apply through my secure portal. I help you with the documents you need.
4. Appraisal and underwriting
Your home gets appraised. Your loan goes through underwriting, and I keep you updated.
5. Close
You sign the final papers and close. Then you move forward with your plan.
Ready to talk?
Call me, or start your application.