2815 Camino Del Rio South
Suite 250
San Diego, CA 9210

Fha
Fha

Tailored to first time home buyers, an FHA loan lets buyers take advantage of lower down payments and interest rates. This allows buyers to qualify for more home with less upfront cost.

Va
Va

This loan gives veterans the ability to purchase a home with 0% down and low interest rates. Backed by a guarantee from the VA, veterans can qualify for a home using different qualifications other than just income and debt ratios.

Conventional
Conventional

The standard home loan offering easy qualification so you can be confident on your home ownership search. A great solution whether it’s your first home, additional home or an investment property.

FHA
FHA

Tailored to first time home buyers, an FHA loan lets buyers take advantage of lower down payments and interest rates. This allows buyers to qualify for more home with less upfront cost.

VA
VA

This loan gives veterans the ability to purchase a home with 0% down and low interest rates. Backed by a guarantee from the VA, veterans can qualify for a home using different qualifications other than just income and debt ratios.

Conventional
Conventional

The standard home loan offering easy qualification so you can be confident on your home ownership search. A great solution whether it’s your first home, additional home or an investment property.

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Solutions

Non-QM

Non-QM

Non-QM

Looking for a home loan, but don’t qualify on other loan programs? A non-QM loan might be for you. Non-QM loans can qualify you for a home loan based on alternative methods. We can do a bank statement loan, no-income investment loan, Interest-only loan and so many more! These loans are great for business owners, investors, retirees, or anyone who makes income from other sources then a normal job.

Find the loan best suited for me!

Non-QM FAQ

What does non-QM loan stand for?

“Non-QM” stands non-qualified mortgage, this is a type of loan that doesn’t conform to certain eligibility and loan structure standards set out by the federal government(IE: Conventional, FHA &VA).

Are non-QM loans safe?

Yes, non-QM loans are safe. The Lender will evaluate your ability to pay off the loan. Typically they accept alternative documents as proof of repayment.

Which borrowers benefit most from non-QM loans?
  • Have higher DTI ratios, but can still afford to pay a mortgage
  • Don’t have the specific documentation required by most traditional mortgage lenders ( Alt Doc)
  • Those looking to get qualified solely off of deposits/bank statement ( Bank statement)
  • Borrowers looking for interest-only mortgage loans, which can be useful for those looking to quickly flip a house or otherwise don’t plan to keep the property for a long period of time.

Non-QM loans can make it possible for non-traditional income earners to qualify for mortgage loans. While the lender may still assess your financial markers, such as income and DTI, you may still be able to qualify for a non-QM loan whose structure and/or requirements don’t quite meet the standards set out by the government.

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Whether you are looking for a solution for your clients or looking to grow your business or just find out more about us - a simple first step in the right direction is a quick call with us so we can get the ball rolling!

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