Your tax return is not the same thing as your income.
non-QM mortgages loans offer flexible financing for borrowers who do not fit traditional mortgage guidelines.
We offer flexible Non-QM loan options from 100+ lenders to help you find financing that fits your unique needs and goals.
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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 Government contractor, 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.
Government contractor mortgages
Financing options for qualified government contractors using contract-based income.
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
Share your financial details openly, whether it involves direct bank deposits, a profit and loss statement, corporate assets, or official contracts. Provide whatever information accurately and honestly describes your true professional income structure to get started smoothly.
We match it to a lender
Non-QM guidelines vary enormously. We know which lender reads your income the way you do, and it is part of why finding the best non-qualified mortgage lenders for your specific situation matters more than picking the first name you see.
You choose, we close
A single dedicated loan officer handles your complete file all the way through to final closing. We ensure a seamless and streamlined experience from start to finish with absolutely no frustrating handoffs or unnecessary delays.
Nadeem Bhatti
Where we place non-QM mortgages 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?
Not always. Many non qm mortgage lenders accept bank statements, a P&L, or asset documentation instead, depending on the program that fits your income.
Is the rate higher than a bank loan?
Often somewhat, since non-QM lenders take on more documentation flexibility. A licensed loan officer can walk through actual non qm mortgage rates for your file rather than a general estimate.
How long do I need to have been self-employed?
Most programs look for at least two years, though some accept one year with strong documentation elsewhere in the file.
Can I use a non-QM loan to buy a rental?
Yes. Many non-QM programs, including DSCR based options, are built specifically for investment property purchases rather than owner-occupied homes.
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.