Loan programs

Non-QM loan

Loans outside the Qualified Mortgage rules, used for borrowers or properties that agency loans cannot serve.

Why it is hard

Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.

What to ask a loan officer

Which non-QM investors do you work with?
Why does my situation need non-QM rather than an agency loan?
Is there a prepayment penalty, and can I refinance later?

Also called

non-qm, non qm, nonqm, non-qualified mortgage, alt doc, alternative documentation

Find a loan officer

Ranked loan officers by state and city are coming soon. Agents can query now: /api/v1/loan-officers?specialty=non-qm&state=FL or this specialty as JSON.