Non QM Loans: Flexible Mortgage Solutions for Self-Employed & Unique Borrowers
Explore Non QM loan options designed for entrepreneurs, freelancers, and borrowers with alternative income — no tax returns or W-2s required.
Non QM Loans Tailored for Self-Employed Borrowers
Menage Mortgage partners with trusted non QM mortgage lenders to provide non qualified mortgage loans designed for self-employed borrowers, real estate investors, and those with alternative income. If you've been turned down for a traditional mortgage, our Non QM home loans offer real solutions without outdated income requirements.
Whether you're using bank statements, 1099 forms, or asset utilization, our team helps structure the right non-QM loan product based on your income and property goals. These flexible programs empower borrowers who fall outside conventional guidelines to access homeownership with confidence.
What Are Non QM Loans?
Non QM loans (short for Non Qualified Mortgage loans) are mortgage options that allow alternative documentation. They help self-employed borrowers, investors, and retirees qualify using bank statements, 1099s, rental income, or asset utilization.
These loans fall outside of traditional agency guidelines. But non QM mortgage lenders offer flexible underwriting to evaluate your real income picture. Need to buy or refinance? We’ll match you with non QM wholesale lenders that specialize in unique income scenarios.
Examples of Non QM Loans We Offer
- Bank statement loans (12–24 months)
- 1099-only income loans
- DSCR loans for real estate investors
- Asset depletion mortgage loans
- Interest-only loan options
- Loans for borrowers with credit events
Different types of non QM loans are available for unique financial profiles. Whether you’re a real estate investor or freelancer, our programs are built to help you qualify.
Non QM Loans Requirements
Flexible Income Proof
- Bank statements (12 or 24 months)
- 1099 forms or CPA letters
- Rental income or asset documentation
Credit Guidelines
- Minimum 580 credit score
- Recent foreclosure or bankruptcy okay
Eligible Properties
- Owner-occupied and rental homes
- Condos, townhomes, and 2–4 units
Compare Non-QM Loans with Other Mortgage Programs
Still unsure? Let our experts walk you through different types of non QM loans vs traditional options like conventional and FHA loans. We help you weigh pros and cons based on your income type, credit score, and long-term goals.
Frequently Asked Questions About Non QM Loans
What is a Non QM loan?
Non QM loans are non-qualified mortgage loans that allow for flexible income documentation outside of standard Fannie Mae and Freddie Mac guidelines.
Who are Non QM loans for?
They're great for self-employed borrowers, real estate investors, and anyone using bank statements or 1099s to verify income.
Are Non QM loans risky?
Not at all. They follow thorough underwriting by qualified lenders. They just use different income proof than traditional loans.
Get Matched with the Right Non QM Lender
Discover how non QM home loans can unlock real estate opportunities for entrepreneurs, freelancers, and investors. Let Menage Mortgage guide you through the process—no tax returns required.
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