Non-QM and Bank Statement Mortgages
No Tax Returns or W2 Required
Same Day Approval
1099 or Bank Statement Options
Rose Loan
Top Rated Private Mortgage Lender
No Income & No Employment Options Available
Bank Statements or 1099 Only For Self Employed
We Offer Rates From 100+ Lenders
Same Day Income & Credit Approval
No Tax Returns Required!
What is a Non-QM home loan?
Non-QM stands for Non-Qualified Mortgage. These are home loans for borrowers who may not meet the traditional income requirements of standard mortgage programs. Non-QM lenders typically allow for special income qualifications without requiring tax returns or W-2’s. They are designed for the self-employed, 1099 contractor, real estate investor, retired borrower and foreign nationals.
Who is eligible for a Non-Qm loan approval?
Self-Employed Individuals
1099 Independent Contractors
Business Owners
W-2 Employees with other income sources
Real Estate Investors
Retired Borrowers
Foreign Nationals
Borrowers with significant liquid assets
How do Non-QM lenders qualify?
- By offering common sense mortgage solutions with flexible underwriting guidelines to maximize home loan qualifications with no tax returns or w-2s required.
- By using alternative Income sources such as bank statement deposits, 1099 forms, liquid assets, rental income or true “stated income”.
- By removing the traditional approval burdens of providing w-2s or tax returns for purchase and refinances for primary, 2nd homes & investment property.
Rose Loan
Top Rated Private Mortgage Lender
No Income & No Employment Options Available
Bank Statements or 1099 Only For Self Employed
We Offer Rates From 100+ Lenders
Same Day Income & Credit Approval
No Tax Returns Required!
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