Non-QM and Alternative Mortgage Options

Flexible Home Loans for Unique Financial Needs

Financing Solutions for Unique Borrowers

Not all borrowers meet standard mortgage guidelines. Non-QM programs create opportunities for self-employed individuals, investors, and others with non-traditional income.

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Bank Statement Loans

Qualify without traditional tax returns.

Investor Solutions

Programs tailored to property investors.

Flexible Qualification

Designed for unique financial situations.

Who Should Consider Non-QM or Alternative Loans?

Discover how Non‑QM (Non‑Qualified) or alternative loans unlock financing for those with irregular income, past credit challenges, foreign status, or asset‑heavy profiles who don’t fit the mold of traditional mortgages.

Why Choose Non-QM or Alternative Loans?

Unlock financing flexibility with Non‑QM or alternative loans—perfect for borrowers who need higher DTI limits, unconventional income documentation, lenient credit criteria, or custom loan structures that traditional QM mortgages simply won’t allow.

How to Secure a Non-QM or Alternative Mortgage

Master the steps to secure a Non‑QM or alternative mortgage—select the right lender, assemble your income & asset docs, manage your credit & DTI, and confidently submit your application to close fast.

Non-QM Loans vs. Traditional Mortgages: What’s the Difference?

Compare how Non‑QM and traditional (QM/conventional) mortgages really stack up — from income documentation, credit & DTI thresholds, and backed‑by‑agencies vs private risk, to rate, down payment, and regulatory differences.

Today's Mortgage Rates

Find the Right Mortgage Rate

Stay informed about the latest mortgage rates and make confident financial decisions. Compare today’s best mortgage options, including Fixed, Adjustable, FHA, and VA loans, all in one convenient place. Use our up-to-date mortgage rate tool to explore the current market trends and take the first step toward securing your dream home.

Today's Best Mortgage Rates

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Take the guesswork out of home financing. Use our simple mortgage calculator to estimate your monthly payment in seconds. With just a few details: loan amount, interest rate, and loan term – you’ll see an accurate breakdown of what your monthly payments could look like. Start planning your next move with confidence today!

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scastello@certifiedhomeloans.com

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Frequently Asked Questions

Non-QM loans are ideal for self-employed borrowers, investors, those with unique income sources, or anyone who doesn’t fit the standard “qualified mortgage” mold. Non-QM and Alternative Mortgage Options

Self-employed, investors, or borrowers with unique financial profiles.

They allow qualification using business or personal bank statements instead of tax returns.

Yes, many are designed for real estate investors.

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