Loan Program
Non-QM Loans
Solutions for borrowers outside the traditional qualifying box.
Who this program may fit
Borrowers with unique income, asset, or credit situations that don't fit standard agency guidelines.
Common uses
- Primary home purchase
- Investment property
- Refinance
- Foreign nationals (program-permitted)
Key considerations
- Includes bank statement, 1099, asset-based, and other programs
- Pricing and terms differ from qualified mortgages
- Larger down payments are typically required
- Subject to program guidelines and lender availability
Documents commonly requested
- Varies by program — bank statements, 1099s, asset statements, or P&L
- Property documentation
- Entity documents (if applicable)
The process
- 1Review your full financial scenario
- 2Compare Non-QM and traditional options
- 3Complete a secure application
- 4Underwriting and property review
- 5Clear to close and closing
Frequently asked questions
Ready to compare your options?
Schedule a strategy call tailored to your goals, income, and timeline.
This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.
Angel Taipale, NMLS #1736690 — Bright Horizon Lending Inc., NMLS #2565670. Verify on NMLS Consumer Access