Every program.
One expert.
Some files are not simple. That does not mean they are impossible — it means they need the right lender and the right strategy.
For borrowers whose profiles
need more flexible underwriting options.
Non-QM loans follow alternative underwriting guidelines — qualifying on bank deposits, rental income, assets, or vesting equity instead of tax returns and pay stubs.
Bank Statement Loans
Eligible self-employed borrowers may qualify using lender-approved personal or business bank statements. Tax returns may not be required for income qualification under certain programs; documentation requirements vary by lender.
DSCR Loans
Eligible DSCR programs primarily evaluate the property's qualifying rental income relative to its housing expense. Personal employment-income documents may not be required for income qualification, although borrower, entity, asset, credit and property documentation still apply.
RSU Income
Vesting equity counts as income when documented correctly. We structure RSU income using vesting schedules and documentation that certain lenders may consider in qualification.
Asset Depletion
Significant assets, limited documented income. We convert your investment portfolio or retirement accounts into qualifying monthly income under a lender-defined calculation.
Asset Qualifier
An asset-based eligibility framework that may not calculate monthly income at all, evaluating verified assets directly against the loan amount under lender-specific guidelines.
Jumbo Loans
Above the applicable conforming loan limit. White-glove execution for high-value purchases and refinances — with access to lenders who specialize in complex, large-balance transactions.
Foreign National
Non-US citizens, ITIN borrowers, and foreign investors welcome. International income documentation, foreign asset verification, and ITIN-based qualification handled with expertise.
Every borrower.
Every situation.
Beyond non-QM, we offer the full range of conventional and government-backed programs — with the same expert structuring applied to every file.
Conventional Loans
Conforming and high-balance conventional loans — including complex W-2 income, variable pay, bonus history, multiple income streams, and investment property financing.
FHA Loans
Low-down-payment FHA options may be available for eligible borrowers with qualifying credit, subject to FHA requirements and lender overlays. FHA financing for first-time buyers, move-up buyers, and borrowers who need flexible underwriting — including 203(k) renovation loans.
VA Loans
Eligible borrowers may have a no-down-payment option and no monthly private mortgage insurance. Entitlement, occupancy, appraisal, credit, income and lender underwriting requirements apply. IRRRL streamline refinance included.
USDA Loans
Eligible borrowers purchasing an eligible property may qualify for 100% financing with no down payment — more zip codes qualify than most borrowers expect. USDA guarantee fees are generally lower than other government mortgage insurance programs.
Construction to Perm
One-time-close construction loans that may convert to permanent financing at completion, structure depending on the lender program. One application, and typically one set of closing costs.
HELOC
Tap your home equity with a flexible revolving line of credit. Draw what you need, when you need it — for renovations, investments, or business capital.
Reverse Mortgage
HECM and proprietary reverse mortgage programs for eligible homeowners 62 and older. Access home equity as income or a line of credit — with no required monthly principal and interest payment, subject to continuing loan obligations.
Not sure which program fits?
Tell us about your situation. Alex will evaluate which programs may fit and why — before you apply.
Business Owner
Self-employed with strong cash flow but tax returns that don't reflect your real income.
Bank Statement Loans → I AM AN...Real Estate Investor
Scaling a rental portfolio and need to qualify on property cash flow, not personal income.
DSCR Loans → I WORK IN...Tech / Finance
High W-2 income with RSUs, bonuses, or other equity comp your bank didn't count correctly.
RSU Income → I HAVE...Significant Assets
Large investment or retirement accounts but limited documented monthly income.
Asset Depletion → I AM A...Foreign National
Non-US citizen or ITIN borrower purchasing property in the United States.
Foreign National → I'M NOT SURE...Just Talk to Alex
15 minutes. No pitch. He'll tell you honestly which program fits your situation and what to expect.
Schedule a Call →Frequently Asked Questions
What is a non-QM mortgage?
A non-qualified mortgage uses underwriting methods outside the standard agency qualified-mortgage framework. Depending on the program, qualifying may rely on bank statements, rental cash flow, assets, or other documented income instead of traditional tax-return calculations.
Does non-QM mean subprime?
Not necessarily. Non-QM describes the underwriting framework, not the borrower's quality. Many non-QM borrowers have strong credit, substantial assets, high income, or significant equity but need a different way to document qualification.
How do I know which program fits my situation?
The correct program depends on occupancy, property type, credit, income documentation, assets, reserves, loan amount, and goals. A strategy review can compare agency, government, jumbo, and non-QM options.
Can different income sources be combined?
Often yes. Salary, bonus, commission, self-employment income, rental income, RSUs, retirement income, investment income, and asset-derived income may be combined when each source meets the selected program's requirements.
Are all programs available for every borrower or property?
No. Program availability changes and depends on lender guidelines, borrower qualifications, property eligibility, occupancy, loan amount, documentation, and applicable federal and state requirements.
Ready to explore options
beyond the standard bank box?
Tell us about your situation. Alex will evaluate potential loan options based on your financial profile, property, documentation, and applicable lender guidelines. In English or Spanish.
Program availability, eligibility, loan limits, terms, interest rates, fees, approval, and closing timelines are subject to change and may vary based on borrower qualifications, property eligibility, documentation, underwriting, lender and investor guidelines, and applicable federal and state requirements. This information is for general educational purposes and is not a commitment to lend or an offer of credit.