If you’re self-employed, you already know how difficult it can be to get approved for a traditional mortgage. Tax write-offs, fluctuating income, or being in business for less than two years often make it challenging to qualify—even if you can clearly afford the loan.
That’s where Non-Qualified Mortgage (Non-QM) loans come in. These flexible mortgage programs are designed specifically for borrowers like you who don’t fit the standard lending box but are still financially capable of buying or refinancing a home.
Traditional mortgages often require two years of W-2s, tax returns, and proof of steady income. But for entrepreneurs, small business owners, and independent contractors, that doesn’t always reflect the reality of your financial situation.
Non-QM loans offer alternatives that make sense:
Bank Statement Qualification – Use 12–24 months of business or personal bank statements to prove income instead of tax returns.
Shorter Income History – Qualify with less than 2 years of self-employment history in many cases.
Flexible Credit Requirements – More lenient credit standards compared to conventional loans.
Higher Loan Amounts – Great for borrowers looking for jumbo loans without strict conventional guidelines.
Multiple Property Types – Perfect for primary residences, second homes, or investment properties.
These programs are designed for borrowers who may not qualify under standard lending guidelines but still have the financial means to purchase or refinance a home. This includes:
Self-employed business owners
Freelancers and independent contractors
Real estate investors
Gig economy workers
Borrowers with recent credit events (bankruptcy, foreclosure, short sale)
Those with significant assets but unconventional income streams
Credit Score Flexibility – Often starting around 600+
Down Payments as Low as 10–15% (depending on the program)
Loan Amounts Up to Multi-Million Dollar Ranges
Bank Statement Options – 3 to 24 months of statements accepted
No Tax Returns Required
Fixed and Adjustable-Rate Options Available
The answer is simple: flexibility.
Non-QM loans are designed to look at your real financial picture instead of just W-2s and tax returns. This makes them the perfect solution for hardworking, self-employed individuals who deserve access to homeownership or investment opportunities without unnecessary roadblocks.
We shop your loan across multiple wholesale lenders to ensure you’re getting the lowest possible rate and fees. We’ll walk you through every step, from pre-approval to closing, so you understand your loan terms and know you’re making the best decision for your situation.
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