Non-QM ResidentialWhen the Agency Says No.
Alt-doc residential financing for self-employed, ITIN, foreign national, and unconventional borrowers.
Program Overview
Non-QM is for the borrower banks keep saying no to. Bank statement, P&L, asset-depletion, ITIN, and foreign national programs let us underwrite the real picture — not just a 1040. If the agency box doesn't fit, this is the program that does.
Why This Program
Structured around the deal.
Alt-Doc Income
Bank statement, P&L, asset-depletion, and 1099-only programs — built for self-employed borrowers.
ITIN & Foreign National
Dedicated programs for borrowers without a U.S. credit file, structured around the deal.
Owner-Occ or Investment
Primary residence, second home, or investment — Non-QM covers all three.
Ideal Scenarios
Built for deals like these
- Self-employed borrower whose tax returns don't reflect true cash flow
- Business owner buying a primary residence with bank-statement income
- ITIN borrower purchasing or refinancing a home
- Foreign national investor acquiring U.S. residential property
- High-asset borrower qualifying via asset-depletion rather than income
What We'll Need
To get you an indication
- Property address and purchase, refi, or cash-out scenario
- Borrower profile (employment type, citizenship/visa status)
- Income approach you'd like to use (bank statements, P&L, assets, 1099)
- Estimated credit score range (soft — no pull at intake)
- Loan amount and timeline
FAQ
Common Questions
What income documentation do you accept?+
12- or 24-month personal or business bank statements, P&L statements, asset-depletion calculations, 1099s, and other alt-doc methods. We structure to the borrower.
Do you work with self-employed borrowers?+
Yes — self-employed borrowers, business owners, and 1099 contractors are our core borrower base. No tax returns required.
Can foreign nationals or ITIN borrowers qualify?+
Yes. We have dedicated foreign national and ITIN programs designed for borrowers without a traditional U.S. credit file.
Is this for primary residences or investment property?+
Both. Non-QM covers owner-occupied primary residences, second homes, and investment properties — structured around the borrower's profile.