LICENSED IN VA · MD · DC · CA · FL · TX · WV ·
Bank statement loans. DSCR. Asset depletion. P&L only. ITIN. Fix-and-flip.
If a standard lender told you no, you’re probably in the right place.
NON-QM MORTGAGES
Non-QM doesn't mean non-qualified. It means the standard formula doesn't fit your situation.
Non-QM means Non-Qualified Mortgage. Not bad credit. Not high risk. It just means your income doesn’t fit the box Fannie Mae, Freddie Mac and HUD built for W2 employees.
None of these are disqualifying. They’re just the wrong fit for the wrong loan type.
Access Financial works with multiple speciality lenders and loan officers who know alternative income documentation programs. We’ve closed bank statement loans, DSCR investor deals, asset depletion programs, P&L only qualifications, and ITIN purchases across all 7 licensed states.
If a bank told you no, the real answer was probably “your income doesn’t fit our box,” not “you can’t afford this loan.” Those are two different things.
We work with the second group.
A Non-QM (Non-Qualified Mortgage) is any home loan that doesn’t meet the standard underwriting guidelines set by Fannie Mae and Freddie Mac. It’s not a subprime loan and it’s not a high-risk product — it’s simply an alternative documentation path for borrowers whose income or situation doesn’t fit the W2-employee model. Self-employed borrowers, real estate investors, high-net-worth individuals with assets over income are the primary Non-QM borrowers.
Non-QM rates run higher than conventional rates depending on the program, loan amount, credit score, and lender. On a bank statement loan for a well-qualified self-employed borrower with a 700+ credit score, the spread to conventional is often modest. DSCR loans for investors run at investment property premiums regardless. The rate difference is the cost of alternative documentation — and for most Non-QM borrowers, it’s still significantly better than renting.
Yes — and that’s exactly the situation most Non-QM borrowers come from. A bank rejection on a conventional loan doesn’t mean you can’t qualify for financing. It means you didn’t fit that lender’s specific underwriting box. Non-QM programs are designed specifically for income types and documentation methods that conventional underwriting excludes. Access Financial evaluates your situation and identifies which Non-QM program — if any — fits your income, assets, and property type.
We review your finances and match you with the best mortgage options.
We compare rates from our nationwide lender network to find the best deal.
From contract to closing, we manage every step with real-time updates.
Tell us about your homebuying goals in just 10 minutes. No credit pull required.
We identify grants and assistance programs that may reduce your upfront costs.
Receive a strong pre-approval letter, often within 24 hours.
