When your file doesn’t fit the box
Real lending for real lives, asset depletion, recent credit events, foreign nationals, and files banks refuse to read.
Non QM (non qualified mortgage) is not subprime, it is underwriting with judgment. These programs exist for strong borrowers whose income, credit history, or residency status does not fit the rigid conventional template. If a bank said no without explaining why, start here.
Asset depletion
Substantial savings, investments, or retirement assets can be converted into qualifying income on paper, no employment required. Common for retirees and business owners after a sale.
Life happens, recent events
Bankruptcy, foreclosure, or a short sale does not carry the multi year sentence banks imply. Several Non QM lenders consider files shortly after an event, with sensible pricing that improves as time passes.
ITIN and foreign national programs
Borrowers without a Social Security number, or without U.S. credit history, have real paths to ownership. We handle these files with bilingual support end to end.
Built for
- Recent credit events (bankruptcy, foreclosure)
- Asset rich, income light borrowers
- Foreign nationals and ITIN borrowers
- Interest only and 40 year term seekers
No credit pull for your initial consultation
Fair questions, straight answers
No. Post 2008 rules require every lender to verify ability to repay. Non QM simply uses different documentation, bank statements, assets, rent coverage, instead of the rigid conventional formula.
Some Non QM programs consider borrowers shortly after discharge, with terms that improve each year. Conventional and FHA have longer waiting periods. We map your specific timeline and the price of moving now versus waiting.
Yes, dedicated ITIN programs exist with several of our lenders. Expect a larger down payment than a conventional loan, and bring alternative credit history like rent and utility payments.
The best rate you will find is the one the market fights for.
Three minutes to start. No credit pull. No obligation. Real options from 175+ lenders.