Non-QM loans are home loans for borrowers whose income or situation does not fit standard bank guidelines: self-employed people qualifying with bank statements or a P&L, 1099 contractors, retirees using their assets, ITIN holders, foreign nationals and buyers of non-warrantable condos. Non-QM Mortgage Lenders explains how each program works for properties in Florida, New York, New Jersey, Pennsylvania, Connecticut and Virginia, and connects you with a licensed loan officer when you are ready.
Straight answers about qualifying when your tax returns do not tell the whole story. Programs vary by borrower, property and investor; subject to credit approval.
Programs
Self-Employed
Bank statement loansSelf-employed mortgages1099 mortgage loansP&L loansSelf-employed under 2 yearsBank statement HELOC
Non-QM Loans
Non-QM loansAsset depletionNo-doc & stated incomeInterest-only mortgagesNon-warrantable condosITIN loansForeign national loans
States
FloridaNew YorkNew JerseyPennsylvaniaConnecticutVirginia
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 508-8976. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Calculators
Bank Statement Income CalculatorSelf-Employed Income Calculator
Start here
- What Is a Non-QM Loan?
- What Is a Bank Statement Loan and How Does It Work?
- How to Get a Mortgage When You Are Self-Employed
- Asset Depletion Loans Explained: Qualifying With Savings and Investments
- What Is a Non-Warrantable Condo, and How Can You Find Out Before You Offer?
- ITIN Mortgages: How Home Loans Work for Borrowers With an ITIN
- Foreign National Mortgages: Guidelines, Documents and Property Use
- QM vs. Non-QM Loans: What the Difference Means for You