Self-Employed Borrowers and Non-Qualified Mortgages (Non-QM)
Flexible Financing Solutions When Traditional Mortgages Don’t Fit
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.
Why Non-QM Loans Work for Self-Employed Borrowers
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.
Who Can Benefit from a Non-QM Loan?
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
Key Features of Non-QM Self-Employed Loans
- 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
Why Choose a Non-QM Loan Over a Traditional Mortgage?
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.
How We Can Help
We specialize in matching home buyers and investors with competitive loan programs from top wholesale lenders.
Our role is to:
- Compare multiple lenders and rates
- Help structure your loan for the best approval odds
- Provide fast, hassle-free closings
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