Non-QM Loans For the Self-Employed

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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.

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.

Why Choose a Non-QM Loan for Investment Properties?

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. 


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HighTechLending Inc is an Equal Housing Lender, NMLS ID #7147 ( 2030 Main Street, Suite #500, Irvine, CA 92614. AZ Mortgage Banker License # 0912577; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4130937;, CO Mortgage Company Registration – Regulated by the Division of Real Estate; FL Mortgage Lender Servicer License #MLD1409; Georgia Residential Mortgage Licensee, License #53077; HI Mortgage Loan Originator Company License and Service License #HI-7147, ID Mortgage Broker/Lender License # MBL-2080007147, Illinois Residential Mortgage Licensee, License #MB.6761112 (for licensing information, go to:; IL Residential Mortgage License # MB.6761112, Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601, 1-888-473-4858; MD Mortgage Lender License #21762; NC Mortgage Lender License #L-165611; NJ Residential Mortgage Lender License, Licensed by the N.J. Department of Banking and Insurance; NM Mortgage Loan Company; NV Mortgage Company License #4517; OR Mortgage Lending License #ML-4386 and Servicer License #MS-139; PA Mortgage Lender #49892; SC Mortgage Lender/Servicer License #MLS-7147; TX Mortgage Banker Registration; UT Residential First Mortgage Notification and Mortgage Entity License #8874117; Virginia Broker and Lender Licenses #MC-5962; WA Consumer Loan Company License #CL-7147.

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