Mortgage options beyond a standard income file.
Non-QM programs may offer additional ways to review income, assets, rental cash flow, residency, credit, or other borrower circumstances.
Get Pre-Approved Start with an inquiry. A loan decision requires review.
Who this may help
- Complex income
- Alternative documentation
- Investment properties
- Foreign national or ITIN borrowers
- Self-employed borrowers
- Unique borrower profiles
Common uses
- Purchase
- Refinance
- Cash-out
- Alternative documentation review
Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.
What to have in mind
These details help explain your situation. You can start the inquiry before gathering every document.
Keep sensitive documents for the secure upload process. Do not send them by general email.
- Income type
- Property goal
- Credit range
- Loan amount
- Occupancy
- Timeline
What happens next
The inquiry starts the conversation. Final options depend on the full review.
How the loan process worksShare the property, borrower, and loan goal.
Review the documentation path that may fit.
Discuss possible next steps before moving deeper into paperwork.
Move forward only when the borrower understands the direction.
Questions about Non-QM
General guidance to help you decide what to ask.
Does Non-QM mean no documents?
No. Non-QM programs still require documentation and underwriting review.
Does Non-QM guarantee approval?
No. All loan options depend on eligibility, documentation, and program availability.
Talk through your plans.
Tell Citadel about the property and what you want to do. We can review the details with you.
Get Pre-Approved