A non-QM loan is any mortgage that does not meet agency (Qualified Mortgage) guidelines. For self-employed borrowers, investors, and buyers with complex income, that flexibility is often the difference between approval and a decline.
Share a few details and our team can Tell us how you earn and what you want to buy — we will match it to the right non-QM program.
Prefer to talk now? 954-590-8464Non-QM is a category, not one loan. It covers everything outside standard agency guidelines — bank statement loans, asset depletion, DSCR investor loans, ITIN lending, and jumbo programs that exceed conforming limits. Each one verifies your finances differently.
If a conventional or FHA loan has turned you down because of write-offs, irregular income, or a property held in an LLC, a non-QM program may qualify you using the numbers that actually represent your finances.
When a standard agency loan does not fit your file, a non-QM program usually can.
Qualify using 12-24 months of bank statements, asset depletion, or P&L rather than tax returns.
DSCR programs qualify the property on its rental income — personal tax returns are not the deciding factor.
Non-QM jumbo programs reach $5M and above, well past the conforming limit.
Guidelines reach down to 620 FICO with pricing tiers that reward stronger credit.
ITIN programs serve borrowers without a Social Security number; foreign nationals have dedicated options.
Retired and high-net-worth borrowers can qualify by spreading assets over the loan term.
These are typical Non-QM guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Programs typically start around 620 FICO; stronger scores unlock better pricing and higher LTV.
Usually 20-25% for investment properties, with some programs allowing 15% for well-qualified borrowers.
Non-QM allows DTI above the 43% agency ceiling when compensating factors or reserves support the file.
Bank statements (12-24 months), asset depletion, P&L statements, or DSCR — chosen to match how you earn.
Investment properties, second homes, and LLC-held real estate are eligible, not just primary residences.
Larger cash reserves are often required in place of a traditional income history.
Complete one application and tell us about your goals and timeline.
We review your file, check NONQM guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
A Qualified Mortgage must meet agency rules on debt-to-income, documentation, and features. A non-QM loan falls outside those rules — which allows alternative income documentation and more flexible credit, at a rate that reflects the added flexibility.
Self-employed borrowers with heavy write-offs, real estate investors who want to qualify on rental income, ITIN borrowers, foreign nationals, and anyone whose assets or income do not fit a conventional template.
Loan amounts commonly reach $5M and above depending on the program and property. Options vary widely across lenders, so a specialist matches your file to the right one.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your NONQM options — we'll guide you from application to keys.
