Non-QM (Non-Qualified Mortgage) loans offer alternative financing solutions for borrowers who may not fit traditional loan criteria, typically due to unique income situations, irregular employment, or past credit events. Unlike traditional loans, Non-QM loans emphasize the borrower's overall financial picture rather than standard income or credit benchmarks alone. Learn more in our Non-QM loans page or HUD’s housing programs overview.
Non-QM loans are ideal for borrowers with unique financial situations, such as:
Explore options in our loan programs.
Yes. We offer bank statement loans that allow self-employed borrowers to use personal or business bank deposits as proof of income. This loan type simplifies qualification by eliminating the need for traditional tax documentation. See our Non-QM loans page.
Yes, Non-QM loans can finance properties exceeding traditional loan limits. These Jumbo Non-QM loans accommodate borrowers purchasing higher-priced homes, offering flexible underwriting and payment structures, such as interest-only payments.
Debt Service Coverage Ratio (DSCR) loans let investors purchase or refinance rental properties based solely on the property's rental income rather than personal income documentation. This is ideal for investors who prefer a straightforward and simplified qualification process. Check our DSCR FAQ.
Yes. Non-QM loans offer flexible qualification guidelines, allowing borrowers who experienced a foreclosure, bankruptcy, or short sale to qualify significantly sooner compared to traditional mortgages—often within just 1-2 years. Learn more in our mortgage basics.
Yes. Non-QM loans accommodate borrowers who lack traditional employment verification. By evaluating alternative documentation like bank statements, investment portfolios, or asset-based verification, Money Well Lending can help borrowers secure financing without standard employment records. See our Non-QM loans page.
Absolutely. Foreign nationals without U.S. credit history or standard income documentation can purchase property in the U.S. through specialized Non-QM loans, often based on assets, bank statements, and international financial records. Explore this in our loan programs.
Yes, many Non-QM loan products offer interest-only payment options. This can benefit borrowers who wish to optimize their cash flow during the early years of the loan, particularly those who plan to resell or refinance within a few years. See our loan programs.
Money Well Lending has successfully provided Non-QM financing solutions across a wide range of markets, from the Pacific Northwest—including cities like Vancouver, WA and Lake Oswego, OR—to locations in California such as Palm Desert, and as far east as Miami, FL. Our focus is to offer flexible mortgage options tailored specifically to each borrower's unique circumstances. Check our loan programs.