Loan Program
Non-QM / Alternative Lending
Non-QM lending covers loan structures that fall outside standard qualified-mortgage guidelines. These programs often use alternative documentation methods to evaluate a borrower's ability to repay.
Who it may be appropriate for
- Self-employed borrowers
- Borrowers with complex income structures
- Real estate investors using alternative documentation
Potential benefits
- Alternative documentation options may be available
- Structures designed for non-traditional income profiles
- Broader property and occupancy flexibility in some programs
Important considerations
- Pricing and terms generally differ from agency programs
- Documentation requirements vary widely by investor
- Reserve requirements may be higher
General qualification factors
- Documented ability to repay
- Credit profile
- Reserves and assets
- Property type and occupancy
Frequently asked questions
Program information is general in nature and is not a commitment to lend, an offer of credit, or a guarantee of eligibility, rates, or terms. All loans are subject to application, underwriting review, and program guidelines.
Next steps
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