Non-QM loan programs for income, property, and documentation that do not fit the basic bank box.
Choose the documentation, property, or borrower profile that best matches your scenario. If you are not sure where you fit, start a quick Non-QM review and the NonQM123 team can help route your file.
No hard pull to start. NonQM123 · Direct Online Lender · NMLS #3252 · Equal Housing Lender.
Self-employed borrower review using business or personal bank statements.
DSCR Investor LoansRental-property cash-flow review for investors.
Closed-End Second MortgagesAccess equity with a fixed second mortgage while keeping the first mortgage in place.
HELOC LoansExplore home equity line of credit options for eligible borrowers and properties.
Foreign National Mortgage LoansU.S. property financing paths for eligible foreign national borrowers.
ITIN Mortgage LoansMortgage review paths for eligible ITIN borrowers.
Asset Depletion LoansReview liquid assets and reserves when income documentation is not the right fit.
1099 Mortgage LoansAlternative review for eligible 1099 earners and contract-income borrowers.
Profit & Loss LoansProgram review using a qualified profit-and-loss documentation path.
Not sure which program?Use one quick profile and let NonQM123 route the scenario.
A home for non-traditional mortgage scenarios
Non-QM programs may help when traditional income documentation, property type, borrower profile, or investor-property cash flow does not fit a standard bank review.
What we ask for up front
A quick review usually starts with program interest, loan purpose, occupancy, property value, loan amount, credit range, documentation type, property location, and contact details.
One profile can point to the right program
Self-employed borrowers, real estate investors, foreign national borrowers, ITIN borrowers, and homeowners seeking equity access may each need a different program path. NonQM123 reviews the scenario and helps identify the next step.
Questions borrowers ask before they start
Are Non-QM loans only for self-employed borrowers?
No. Many self-employed borrowers use Non-QM programs, but investors, foreign nationals, high-net-worth borrowers, and borrowers with unique documentation needs may also use them.
Are Non-QM loans the same as hard money?
No. Non-QM mortgage programs are not automatically hard money. Program terms depend on credit, property type, loan purpose, documentation, and investor guidelines.
Can I start without a hard credit pull?
Yes. The site uses "No hard pull to start" language because a full credit authorization may be needed later.
Start with the right program profile, then let NonQM123 review the real numbers.
All loans are subject to credit approval, documentation, property review, investor guidelines, and underwriting. This is not a commitment to lend.