Self-employed borrowers, investors and unique scenarios

Non-QM loans

Alternative qualification paths when your income does not fit standard guidelines.

Bank statement, DSCR and asset-based pathsFlexible underwritingFinancing for unique scenarios

What it usually takes

A reasonable down payment, often larger than agency loans, a solid credit profile and reserves, and a clear explanation of your income story.

Potential benefits

Qualify when traditional income documents do not fit, with options for self-employed and investor borrowers and flexible underwriting.

Compare conventional first

When you and the property can meet agency requirements, a conventional loan is worth comparing before assuming Non-QM is needed. We run both.

Eligibility, limits and terms depend on the program guidelines in effect when you apply and on your full application. This page is general information, not a loan offer.

See if I qualify

Other programs

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