Non-QM Loans | Flexible Mortgage Options for Self-Employed & Investors

Flexible Home Financing for Unique Income Situations.

Non-QM loans provide alternative mortgage solutions for self-employed borrowers, business owners, real estate investors, and those with non-traditional income.

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A Mortgage Solution Beyond Traditional Lending.

A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers who don’t meet the strict guidelines of conventional loans. Unlike traditional mortgages, Non-QM loans use alternative income verification methods to help self-employed buyers, investors, and high-net-worth individuals secure home financing.

Key Benefits of Non-QM Loans:

Flexible Income Verification – No W-2s or tax returns required; uses bank statements, 1099s, or asset depletion.

Higher Debt-to-Income (DTI) Ratios Allowed – Perfect for high-income earners with tax write-offs.

No Traditional Employment Needed – Great for self-employed individuals, freelancers, and business owners.

Investment Property Financing – Includes DSCR loans for real estate investors

Faster Closings – Less documentation means quicker approvals

Is a Non-QM Loan Right for You?

Non-QM loans are designed for borrowers who have strong financials but don’t meet traditional loan requirements.

Common Non-QM Borrowers:

Self-Employed & Business Owners – Use bank statements instead of tax returns to verify income.

Real Estate Investors – Qualify using rental income instead of personal income (DSCR loans).

Retirees & High-Net-Worth Individuals – Use assets instead of traditional income to qualify.

Foreign Nationals – No U.S. credit history required (foreign income accepted).

1099 Contractors & Freelancers – Great for gig workers, consultants, and independent contractors.

Basic Requirements:

Credit Score: 620+ (some programs accept lower scores).

Down Payment: 10-20% (varies by program).

Debt-to-Income (DTI) Ratio: Higher DTIs accepted compared to traditional loans.

Alternative Income Verification: Bank statements, rental income, assets, or 1099s instead of W-2s.

See If You Qualify for a Non-QM Loan

How Do Non-QM Loans Compare to Traditional Mortgages?

Who Should Choose a Non-QM Loan?

Self-employed or gig workers who can’t qualify with W-2s.

Investors needing alternative financing for rental properties.

Retirees or high-net-worth borrowers looking to qualify using assets instead of income.

Talk to a Non-QM Loan Expert

Explore Flexible Mortgage Options.

Bank Statement Loans (Best for self-employed buyers)

Qualify using 12-24 months of bank statements instead of tax returns.

Ideal for business owners and freelancers with tax deductions.

1099 Income Loans (Great for independent contractors)

Uses 1099 earnings instead of W-2s.

Perfect for gig workers, consultants, and commission-based professionals.

DSCR (Debt Service Coverage Ratio) Loans (Best for real estate investors)

Qualifies based on rental income, not personal income.

No personal tax returns or employment history required.

Asset Depletion Loans (Great for retirees & high-net-worth individuals)

Uses investment accounts, retirement funds, or savings as income.

No employment required—loan based on available assets.

ITIN & Foreign National Loans (For non-U.S. citizens)

No Social Security number or U.S. credit history needed.

Uses foreign income and assets for qualification.

Find the Right Non-QM Loan for You

Find a Home Loan That Works for Your Unique Financial Situation.

If you’re self-employed, an investor, or have alternative income, a Non-QM loan could be the key to homeownership. Let’s find the best option for you today!

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Harmony Home Mortgage provides expert home loan solutions, including FHA, VA, Conventional, USDA, and Non-QM loans. Licensed in FL, GA, NC, SC, and MI, we make homeownership simple and stress-free.