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Feb 04, 2022

What is a Non-Qualified Mortgage?

Non-QM are financing solutions designed for borrowers who may not meet the criteria for traditional mortgages. Unlike FHA, VA, or Conventional loans, these mortgages are not backed or insured by government agencies – which is why qualifying criteria may be less restrictive!

Non-Qualified Mortgages = Non-Traditional Borrower Options

Who can benefit from Non-QMs?

  • Self-employed borrowers
  • Real estate investors
  • Business owners
  • Home buyers with investments, trust funds, large assets, or low reportable income
  • Borrowers with high debt-to-income ratios
  • Home buyers with less-than-perfect credit


Our Non-Qualified Mortgages: Smart Series

Smart Series is a full suite of non-QM solutions made specifically with home buyers who have unique qualifying needs in mind.


Simplifies the approval process for self-employed borrowers by offering income verification alternatives.


A jumbo mortgage option for a strong credit qualifying borrower with a recent credit event or lapse in credit performance.


Designed for experienced real estate investors to purchase or refinance investment properties owned for business properties.


We stand by providing lending solutions that work for you, your finances, and your homeownership goals!