What is a Non-QM Loan?

Non-Qualified Mortgage (Non-QM) loans are typically for borrowers with unique circumstances and for those who don’t fit the normal “qualified-mortgage box”. Often these loans are for borrowers with non-traditional circumstances like fluctuating income, self-employed independent business owners, contractors, entrepreneurs, artists, etc.

Benefits of Non-QM Loan

  • It is not mandatory for a borrower to meet the minimum waiting period after bankruptcy.

  • Non-QM loans do not have a waiting period.

  • When faced with bankruptcy or foreclosure you can still receive a loan.


The customers should know that they can pay interest only on their initial loan and later make a more substantial payment using the principle.

Who Qualifies?

Qualification methods vary from the standard process and product terms may also vary including but not limited to Interest Only loans.

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