48 Meriden Rd, Suite 1, Middlefield, CT 06455

Alternative / Non QM

A Non QM Mortgage

A non-qualified mortgage (non-QM) is a home loan designed to help homebuyers who can’t meet the strict criteria of a qualifying mortgage. For example, if you are self-employed or don’t have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.

Loan Options

With Non QM Mortgages, you can do terms of 15, 20, 30 years, Interest Only Loans, and even 40 year amortization mortgages.

Who should consider a NonQM Mortgage

  • Retiree
  • Self-employed
  • Real estate investor
  • Business owner
  • Foreign national
  • ITIN Borrowers
  • Buyer who lives off investments, or has high assets and low income
  • Buyer with a high debt-to-income ratio
  • Buyer with less-than-perfect credit
  • Buyer looking to purchase a Non Warrantable Condo
  • Someone looking to hold the subject property in the name of an LLC and not an individual


Bank Statement MortgageMortgage Solution for Self Employed Borrowers

1099 Income LoanMortgage Solution for Self Employed Borrowers

Investor Cash FlowMortgage Solution for Real Estate Investors (Cash Flow Loan)

High LTV JumboLoans with a little as 5% down for borrowers seeking loan sizes over conventional limits

Asset QualifierIdeal for borrowers with high net worth and significant assets

ITIN MortgageA full documentation product that allows borrowers without a SSN to obtain a mortgage

Foreign NationalProduct designed for Foreign National clients to purchase investment properties in the US.


Call us today for a free consultation or click here to begin the pre-approval process.