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Non-QM Mortgage Options Built Around Real Scenarios
Non-QM can help when traditional income documentation does not reflect the full borrower scenario. Credit, assets, reserves, property type, occupancy, LTV, IRS obligations, and lender guidelines still matter.
Explore Non-QM loan programs
Start with the broader story, then request a scenario review before gathering a full documentation package.
Bank Statement Loan
Self-employed borrowers with consistent personal or business deposits.
Explore →1099 Only Loan
Independent contractors and commission earners with strong 1099 income.
Explore →WVOE Only Loan
Wage earners whose employer can verify income through written verification.
Explore →P&L Only Loan
Business owners whose recent profit-and-loss story is stronger than old tax returns.
Explore →Asset Utilization Mortgage
Retired, high-net-worth, or asset-rich borrowers with complex monthly income.
Explore →No Ratio Mortgage
Borrowers with strong credit, equity, and reserves where no traditional DTI ratio is calculated.
Explore →ITIN Mortgage
Eligible borrowers using an ITIN instead of a Social Security number.
Explore →Foreign National Mortgage
Eligible non-U.S. citizen borrowers financing U.S. property.
Explore →Closed-End Second Mortgage
Homeowners accessing equity while preserving an existing first mortgage.
Explore →How lenders view Non-QM scenarios
- Traditional income may not tell the whole story, but ability to repay still must be documented.
- IRS debts or payment plans must be disclosed and reviewed; these programs do not remove tax obligations.
- Credit, LTV, property type, occupancy, assets, reserves, and lender guidelines shape available options.
- A scenario review helps identify the most appropriate documentation path.
Want help finding the right Non-QM path?
This is not a commitment to lend. Program availability, eligibility, rates, terms, loan amounts, LTV, reserves, documentation requirements, and property eligibility depend on the full borrower scenario, occupancy, property type, credit profile, lender guidelines, and underwriting review. Not all borrowers will qualify. Simple Lending Mortgage LLC currently offers financing assistance where properly licensed, including Florida and Georgia. Program availability depends on borrower eligibility, property location, lender guidelines, and applicable law.