Insights

Non-QM Alt Doc and ITIN Solutions

Non-QM Alt Doc and ITIN Solutions

We believe in helping our communities, individuals, and businesses reach their financial goals and are a mission-based bank focused on customers who have non-traditional credit needs and cannot get approved with standard financing. Our Approach to Non-QM We are committed to serving our underserved borrowers who are credit-worthy and need a company they can depend on. This is our specialty. Don't...

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Lending on Unique Properties

Lending on Unique Properties

At NonQmFunding.com, we take pride in our ability to lend to a variety of unique properties. Whether you're looking to finance a manufactured home, condotel, short-term rental, rural property, or apartment building with 5-24 units, we have the mortgage programs. Our flexible lending options make it possible for borrowers to secure financing for properties that may not meet traditional lending...

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Non-QM Programs for Diverse Borrowers

Non-QM Programs for Diverse Borrowers

We offer a wide range of non-QM programs designed to cater to the unique needs of individuals and investors. Whether you're self-employed, a foreign national, or looking for flexible financing options, Borrowers our non-QM loan consultants will find a non-QM program that fits your situation. Bank Statements For self-employed individuals who may not have traditional income documentation, our bank...

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Non-QM Purchase Loans: Unlocking Opportunities up to 90% LTV

Non-QM Purchase Loans: Unlocking Opportunities up to 90% LTV

We work with borrowers that fit our non-QM loan programs when looking to purchase a property. Whether you’re a freelancer, contractor, gig worker, or self-employed individual, we have tailored solutions to help you obtain financing. With our non-QM purchase loan programs, you can secure financing up to 90% loan-to-value (LTV). Program Highlights Purchase Only Programs Minimum FICO Score of 700 Up to...

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Program Highlights for the Asset Depletion Mortgage Program

Program Highlights for the Asset Depletion Mortgage Program

Are you a borrower with substantial assets but limited traditional income? Our Asset Depletion program is designed just for you. With this innovative strategy, you can use your assets to qualify for a mortgage, even if your income doesn't meet the traditional requirements. Here's how it works: We calculate how much income can be generated from your assets and combine it with your actual income to...

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Non-QM Loans Provide Self-Employed Borrowers a Chance to Qualify for a Mortgage Loan

Non-QM Loans Provide Self-Employed Borrowers a Chance to Qualify for a Mortgage Loan

There are those individuals who don’t have the conventional income that a W2 wage earner gets. There are self-employed borrowers, gig workers, independent contractors, and other similar income-type employees. Trying to get a loan conventionally would probably be very difficult but using a non-QM mortgage program increases the chance of qualifying for a mortgage. Below is a quick snapshot of the type...

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