Non Qualified Mortgage

The hard money loan will then be refinanced with a lower rate & longer term permanent financing. Essentially, hard-money loans "bridge" the gap for the investor until permanent financing becomes available or the property is sold.

Non Qualified Mortgage

A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. Common examples include bank statements, 1099, business profit/loss or using your assets as collateral.

Foreign Nationals


Profit/Loss Statement

12 or 24 Month Bank Statement

DSCR program

No-DSCR program