Non QM Mortgages
Our Non QM Mortgages offer flexible qualification options for self-employed individuals, investors, and those with unique income or credit situations.
Why choose us?
Every home journey is unique — and you deserve a lender who gets that. We’re here to guide you every step of the way.
Non-QM lenders offer bank statement loans (12-24 months), P&L-only & asset depletion.
Non-QM loans are ideal for those with lower credit scores, foreclosures, or short sales, limited credit history, past bankruptcies.
Non-QM loans often allow Jumbo loan amounts and cover more unique property types.
Non-QM lenders are often direct and less bureaucratic, leading to quicker approvals and faster closings.
Real People, Real Stories
Whether you’re getting ready to buy your dream home or want to refinance to fund a major life event, we’ll be here to help.
Programs
If you’re having difficulty qualifying for a mortgage — especially due to your credit, income level or income predictability — a non-qualified mortgage, or non-QM for short, can fill the gap.
While non-QM loans offer more lenient credit and income requirements, they also come with higher down payments and interest rates — and they lack important consumer protections.
Fast Funding
Higher Loan Amounts
Attractive Terms
Flexible Income & Credit
Who can benefit from us?
The Non-QM Loan Program is ideal for:
Self-Employed Individuals: Lenders can use bank statements, asset depletion, or P&L statements to verify income.
Real Estate investors: Debt service coverage ratio (DSCR) loans qualify based on the property’s cash flow, not the borrower’s income.
Borrowers with High Assets but Low Incomes: Asset-based loans use bank accounts, retirement funds, and other liquid assets to qualify.
Borrowers with Credit Challenges: More flexible credit guidelines and shorter waiting periods after financial issues.
Get your Application
Started Today
If you’re ready to explore the possibilities of homeownership with the support of Fellowship Home Loans, our team is here to guide you through every step of the Non-QM loan program.