Your tax return is not the same thing as your income.
Access Financial places non-QM mortgages across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
If you write off what you earn, a bank sees a small income. We can read it a different way.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Start with how you actually get paid
| How You Earn | What We Use Instead | |
|---|---|---|
| You write off most of what you earn | 12 to 24 months of business or personal bank deposits | Bank statement |
| Your accountant has the real picture | A profit and loss statement, prepared and signed | P&L only |
| Your money sits in investments | Your assets are converted into a qualifying income | Asset depletion |
| You are 1099 or paid on commission | A program built for income that moves month to month | Self-employed |
| You have an ITIN, not an SSN | Alternative credit from rent, utilities and insurance | ITIN |
| A bank has already declined you | A lender whose guidelines were written for files like yours | All non-QM |
What each program reads instead of returns
Bank statement loans
Deposits into your account become the income figure. No tax returns needed.
Profit and loss only
Your accountant’s statement does the work. The lightest paperwork of the group.
Asset depletion
For retirees and anyone whose wealth is in savings rather than salary.
Self-employed mortgages
The umbrella for business owners, contractors and commission earners.
ITIN loans
Buy without a Social Security number. Very few lenders offer this.
DSCR for landlords
If the property is a rental, the rent can qualify it instead of you.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
Three steps, no tax returns needed
Tell us how you get paid
Deposits, a P&L, assets or contracts. Whatever describes your income honestly.
We match it to a lender
Non-QM guidelines vary enormously. We know which lender reads your income the way you do.
You choose, we close
One loan officer handles the file to closing. No handing you around.
Nadeem Bhatti
Where we place non-QM files
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What self-employed borrowers ask first
What is a non-QM loan?
A mortgage that sits outside the standard qualified-mortgage rules. It is not a lesser loan. It simply proves your income in a way that fits how you actually earn.
Do I need tax returns?
No. Bank deposits, a profit and loss statement from your accountant, or your assets can all be used instead.
Is the rate higher than a bank loan?
Usually somewhat, because the lender is doing more work to understand your file. Whether that trade is worth it depends on your situation, and we will show you the comparison.
How long do I need to have been self-employed?
Less than most people assume, and the requirement varies by lender. This is exactly the kind of rule that differs across the hundred we work with.
Can I use a non-QM loan to buy a rental?
Yes. If the property earns, a DSCR loan qualifies it on its rent rather than on your income at all.
Find out how your income reads
Tell us how you get paid. We will match it to the lenders who read it that way, free.