› Non-QM Loan
Non-QM Loan
Non-QM loans provide flexible financing solutions for borrowers whose income or financial profile may not fit traditional mortgage guidelines. These programs are designed for entrepreneurs, investors, self-employed borrowers, and clients with more complex financial situations.
A Non-QM (Non-Qualified Mortgage) loan is a flexible mortgage solution that allows lenders to use alternative methods to verify income and qualification. Rather than relying strictly on traditional tax return documentation, these programs can consider bank statements, assets, rental income, and other financial factors.
Premier Plus Lending helps structure customized financing solutions for borrowers with unique income scenarios.
Bank statement loan options available
Flexible income documentation programs
Options for self-employed borrowers and investors
DSCR programs for investment properties
Interest-only options available on select programs
Frequently Asked Questions
What does Non-QM mean?
Non-QM stands for Non-Qualified Mortgage, meaning the loan falls outside standard conventional lending guidelines.
Are Non-QM loans only for self-employed borrowers?
No. While popular among self-employed clients, Non-QM loans can also help investors, high-net-worth borrowers, and clients with unique financial structures.
Do Non-QM loans require tax returns?
Not always. Some programs allow qualification using bank statements, assets, or property cash flow instead.
Are interest rates higher on Non-QM loans?
Rates can be slightly higher due to the increased flexibility, but they vary based on the borrower profile and loan structure.
Can I buy an investment property with a Non-QM loan?
Yes. Many Non-QM programs are specifically designed for real estate investors and rental properties.
