Flexible Mortgage Solutions for Your Unique Situation
Self-employed? Business owner? Retiree? We specialize in non-QM loans with alternative documentation to help you achieve homeownership on your terms.
Why Choose Our Non-QM Solutions?
We understand that traditional lending doesn't work for everyone. Our flexible approach opens doors.
Flexible Documentation
Use bank statements, single-page P&L only, 1099s, or other alternative documentation instead of traditional W-2s and tax returns. We work with your unique financial situation.
Self-Employed Friendly
Built specifically for entrepreneurs, freelancers, and business owners who write off expenses and have variable income streams.
Expert Guidance
Personal support from a dedicated loan officer who understands non-traditional income and is committed to finding the right solution for you.
Our Loan Programs
Tailored solutions for every unique borrower situation
Bank Statement Loans
Qualify using 12-24 months of personal or business bank statements instead of tax returns.
Learn MoreP&L Only
Use a single-page 12- or 24-month Profit & Loss statement prepared by your CPA to qualify.
Learn MoreAsset Depletion
Use your assets as qualifying income. Perfect for retirees or those with significant investments.
Learn More1099 Earners
Get approved using your 1099 income. Perfect for independent contractors, freelancers, and gig workers.
Learn MoreDSCR Loans
Debt Service Coverage Ratio loans based on property cash flow, not personal income.
Learn MoreForeign National
Loan options for foreign nationals purchasing U.S. property without a U.S. credit history.
Learn MoreJumbo Loans
High-balance financing for luxury properties. Gift funds accepted on primary residences.
Learn MoreInterest Only
Lower monthly payments with interest-only periods. Maximize cash flow and flexibility.
Learn MoreFix & Flip Investments
Bridge loans for investors. Up to 100% purchase + 100% rehab, capped at 75% ARV.
Learn MoreWhat Our Clients Say
Real stories from borrowers we've helped
"As a self-employed entrepreneur, I thought getting a mortgage would be impossible. This team made it happen with their flexible documentation options. Highly recommend!"
Sarah Johnson
Small Business Owner
Frequently Asked Questions
Get answers to common questions about non-QM loans
Have more questions?
Schedule a ConsultationReady to Get Started?
Let's discuss your unique situation and find the perfect mortgage solution. No obligation, just honest advice from an experienced professional.