Choose the desk
The borrower starts in the lane that matches the loan type.
Choose the right review desk
Four connected intake lanes. One NonQM123 experience.
Start in the desk that matches the loan. DSCR investors, income-documentation borrowers, home-equity clients, and specialty Non-QM scenarios each get routed into the right review path.
No hard pull to startDirect Online LenderCompany NMLS #3252Equal Housing Lender
Start here
Select the review desk that fits the scenario.
DSCR / InvestorRental-property purchase, refinance, cash-out, STR, and multi-family→Income DocumentationBank statements, 1099, P&L, assets, VOE, and alternative income→Second / HELOCClosed-End Second or HELOC review while keeping the first mortgage→Specialty Non-QMForeign National, ITIN, modular, expanded credit, mixed-use, and exceptions→
Choose a lane first so your review starts in the correct NonQM123 desk.
Answer focused questions
Each desk collects only the details needed for that scenario.
Submit for review
The review request is sent to the NonQM123 team for follow-up.