What are non-QM mortgage loans?

Non-QM (non-qualified mortgage) loans are mortgage programs that don't meet the strict requirements of conventional loans. They're designed for borrowers with unique situations like self-employment, credit challenges, or non-traditional income sources.

Who needs non-QM mortgage loans?

Non-QM loans are ideal for self-employed borrowers, those with credit challenges, non-citizens, investors, and anyone who doesn't qualify for traditional mortgages due to unique circumstances.

What types of non-QM programs are available?

Available programs include DSCR loans, bank statement loans, ITIN loans, foreign national mortgages, fix & flip loans, manufactured home loans, and many more specialized financing options.

Non-QM Mortgage Programs

Find specialized mortgage programs for borrowers who need flexible solutions. When traditional lenders say no, these programs say yes.

26 programs available

Filter by program type

Program

Min Score

Min Down

Max Loan

Action

A

ADU Loans
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Accessory Dwelling Units - secondary housing on single-family lots. For rental income or multi-generational living.
Min Score
700
Min Down
20%
Max Loan
$500,000
ADU Loans
Accessory Dwelling Units - secondary housing on single-family lots. For rental income or multi-generational living.
Min Score
700
Min Down
20%
Max Loan
$500,000
View
Asset Depletion Loans
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Use liquid assets to qualify instead of income. Ideal for retirees or high-net-worth individuals.
Min Score
680
Min Down
20%
Max Loan
$3,000,000
Asset Depletion Loans
Use liquid assets to qualify instead of income. Ideal for retirees or high-net-worth individuals.
Min Score
680
Min Down
20%
Max Loan
$3,000,000
View

B

C

Construction-to-Permanent Loans
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Combines construction and permanent financing. Build your dream home from the ground up.
Min Score
680
Min Down
20%
Max Loan
$2,000,000
Construction-to-Permanent Loans
Combines construction and permanent financing. Build your dream home from the ground up.
Min Score
680
Min Down
20%
Max Loan
$2,000,000
View

D

DSCR Loans
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Qualify based on property rental income, not personal income. Ideal for real estate investors.
Min Score
680
Min Down
25%
Max Loan
$2,000,000
DSCR Loans
Qualify based on property rental income, not personal income. Ideal for real estate investors.
Min Score
680
Min Down
25%
Max Loan
$2,000,000
View

F

M

N

R

S

Stated Income Mortgages
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State your actual income without traditional documentation. For self-employed borrowers.
Min Score
680
Min Down
15%
Max Loan
$2,500,000
Stated Income Mortgages
State your actual income without traditional documentation. For self-employed borrowers.
Min Score
680
Min Down
15%
Max Loan
$2,500,000
View

T

Tiny Home Loans
View Details
Homes under 400 square feet. Minimalist living and sustainability focus.
Min Score
680
Min Down
20%
Max Loan
$200,000
Tiny Home Loans
Homes under 400 square feet. Minimalist living and sustainability focus.
Min Score
680
Min Down
20%
Max Loan
$200,000
View

Tell Us What We're Missing

We're constantly adding new loan programs to our directory and prioritize based on user requests. While we don't reply to individual requests, we'll notify you when we add new programs that may match your mortgageneeds.

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Non-QM Mortgage Programs

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