Non-QM Loans for Real-Life Finances

Non-QM (Non-Qualified Mortgage) loans offer flexible qualification when your finances don't fit traditional lending standards. Ideal for self-employed borrowers, real estate investors, retirees with significant assets, and borrowers recovering from credit events.

Popular Non-QM Programs

• Bank Statement Loans - Qualify with 12-24 months of bank statements instead of tax returns
• DSCR / Investor Loans - Qualify on the property's rental income rather than personal income
• Asset-Based Qualification - Use liquid assets to demonstrate the ability to repay
• Recent Credit Event Programs - Options after bankruptcy, foreclosure, or short sale

Non-QM is not "no-doc" lending — lenders still verify your ability to repay using alternative documentation. Rates and down payment requirements are typically somewhat higher than conventional loans.

Contact Secure Choice Lending at (951) 733-8925 to explore Non-QM options. NMLS #1689518.