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?

Mortgage interest is the fee a lender charges for lending you money to buy a home. Calculated as a percentage of the loan balance, this interest is typically paid monthly as part of your mortgage payment. Over time, the amount of interest you pay can add up, especially with long-term loans like the common 30-year fixed-rate mortgage.

Why Choose Non-QM or Alternative Loans?

Mortgage interest is the fee a lender charges for lending you money to buy a home. 

How to Secure a Non-QM or Alternative Mortgage

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.

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

Mortgage interest is the fee a lender charges for lending you money to buy a home. 

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

Loan TypeInterest RateAPR
Fixed Rate (30-Year)Loading...Loading...
Fixed Rate (15-Year)Loading...Loading...
Adjustable Rate (ARM)Loading...Loading...
FHA LoanLoading...Loading...
VA LoanLoading...Loading...
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Mortgage Calculator

Estimate Your Affordable Monthly Payment

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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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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