Non-QM Loans

Non-QM Loans

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FICOs as low as 600! Investor loans that INCLUDE:

  • Foreign Nationals
  • Long-Term & Short-Term Rentals (Airbnb)
  • Assisted Living/Nursing Homes (residential)
  • Condotels

Bank Statement Qualifiers

For those who are self-employed and looking to own a home but can not qualify using tax returns or w’2 income.

  • 12-month Bank Statement Qualifier
  • 24-month Bank Statement Qualifier

Asset Qualifier

For those sitting on stacks of cash and are looking to push their savings to work for them.

Gig Qualifier

For independent contractors and freelance workers that are paid like a business owner, but may not own a business.

Full Doc Qualifier

For those who file income the traditional way looking to expand their loan qualifications

Common Non-QM Loan Questions:

What is a Non-QM loan?
A Non-Conforming Mortgage is Flexible mortgage option for self-employed, real estate investors, and jumbo home loan borrowers and for a borrower who has had a past credit event

What are the interest rates on a Non-QM loan?
Interest rates are Generally higher on Non-QM loans

What is the minimum credit score to qualify for a Non-QM loan?
620 is the minimum credit score

Can I purchase a house with a NONQM loan?
Yes purchase loans for a primary, secondary and investment properties are eligible for Non-QM loans

Can I refinance an existing mortgage with a NON-QM loan?
Yes, even if you have an FHA, Conventional, USDA, VA or JUMBO loan currently, you can apply for a non-qm loan.


Follow The Lenders, LLC


Company NMLS #1665272
FL #0021298

Equal Housing Lender

Contact Us

The Lenders, LLC
112 Walnut Blvd
Rochester Hills, MI 48307

(248) 534-1720