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Non-Qualified Mortgage

If your financial profile doesn’t align with conventional lending requirements, a Non-Qualified Mortgage (Non-QM) could be the right solution. Designed for borrowers with unique income situations or credit histories, Non-QM loans offer the flexibility you need to move forward with homeownership or investment goals.

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Non-QM Loan Information

A Non-Qualified Mortgage (Non-QM) is a flexible home financing option for borrowers who don’t meet the strict criteria of traditional loans. Unlike Qualified Mortgages, which follow specific consumer protection rules under the Dodd-Frank Act, Non-QM loans are designed to serve individuals with unique income structures, higher debt-to-income (DTI) ratios, or unconventional financial documentation.

If you’re self-employed, have irregular income, or have experienced recent credit challenges, a Non-QM loan could provide the path to homeownership or investment you’ve been looking for.

  • Self-Employed Borrowers: Traditional loans often require years of tax returns to prove income. Non-QM lenders may offer bank statement loans, using 12–24 months of bank activity instead of W-2s or tax forms to verify income.
  • High Net-Worth Individuals: If you have substantial assets but limited monthly income, asset depletion loans allow you to qualify by converting assets into income over a defined term—ideal for retirees, entrepreneurs, or investors.
  • Real Estate Investors: Own more than ten financed properties? Or need a loan based on rental income? DSCR loans and other Non-QM products allow experienced investors to continue building their portfolios without traditional loan limits.
  • Borrowers with Recent Credit Events: Non-QM loans offer greater flexibility for those with recent bankruptcies, foreclosures, or delinquencies—often without the extended waiting periods required by conventional lenders.
  • Foreign Nationals: For international buyers without U.S.-based income or credit history, Non-QM loans provide a viable financing route—often without the need for a Social Security number or domestic tax returns.
  • Interest-Only Payment Options: Need to manage cash flow with flexibility? Many Non-QM loans offer interest-only options, helping you maintain lower payments during variable income periods.
Is a Non-QM Loan Right for You?

If you have the ability to repay but don’t meet standard lending guidelines, a Non-QM mortgage may be the right solution. Whether you’re self-employed with strong earnings, rebuilding after a credit event, or investing from abroad, Non-QM loans open the door to home financing that fits your unique profile.

At Bravo Mortgage, we understand that not every borrower fits into a conventional box. Our team is here to guide you through your options, evaluate your eligibility, and deliver a lending solution that works with your lifestyle—not against it.

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We understand that every dream is unique and personal. If you're ready to take the next step or simply have questions.

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