Investor Programs
Flexible mortgage solutions for primary residences that don’t meet traditional lending criteria.
Our Owner-Occupied Non-QM Loan Program is designed for homebuyers who may not qualify through conventional lending methods. Whether you’re self-employed, have non-traditional income, a recent credit event, or simply need more flexibility than banks offer, this program provides an alternative path to homeownership. With customized underwriting and common-sense guidelines, we help you secure financing based on your real financial picture — not just a W-2.
Benefits of Our Owner-Occupied (Non-QM) Loan Program
Our Non-QM home financing offers flexibility and opportunity for borrowers who don’t fit the traditional mortgage mold. Key benefits include:
- Ideal for self-employed, freelance, or 1099 income earners
- Alternative income verification methods (bank statements, assets, etc.)
- More flexible credit score and debt-to-income requirements
- Opportunity to buy or refinance your primary residence
- Customized loan terms tailored to unique financial situations
Program Eligibility Requirements
- Property must be a primary residence (not for investment)
- Minimum credit score of 600 (flexible based on loan structure)
- Verifiable income through alternative documentation (e.g., bank statements, asset depletion, or 1099s)
- Proof of ability to repay the loan based on overall financial profile
- Down payment requirement typically ranges from 10% to 20%
Get started today
Use one of our free tools!
Get started today
Use one of our free tools!
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