Self-employed non-QM (Non-Qualified Mortgage) loans are mortgage products designed specifically for individuals who may not meet the strict income and documentation requirements of traditional mortgages.

Self-employed non-QM loans provide a valuable financing solution for self-employed individuals seeking to purchase or refinance a home.

With flexible income verification, expanded underwriting criteria, and credit flexibility, non-QM loans offer a pathway to homeownership for those who may not qualify for traditional mortgages.

Key Features To Consider:

• Flexible Income Verification: Utilize alternative documents like bank statements and profit-and-loss statements to verify income.

• Asset-Based Underwriting: Consider assets such as savings, investments, and retirement accounts for loan approval.

• Expanded Debt-to-Income (DTI) Ratios: Accommodate the higher expenses typically associated with self-employment.

• Alternative Documentation Options: Choose from various documentation programs tailored to self-employed borrowers.