Non-QM generally refers to mortgage programs that may use qualification methods outside standard conventional lending rules. Requirements vary by lender, property, documentation, and borrower situation.
Who May Explore Non-QM
Self-employed borrowers
Real-estate investors
Borrowers using alternative documentation
Foreign national or ITIN borrowers
Borrowers with complex income
Borrowers whose situation does not fit a standard program
Common Documentation Approaches
Bank statements
Rental-income or DSCR review
Asset-related documentation
Business cash-flow information
Other lender-approved documentation
Questions to Ask
What is the loan purpose?
What type of property is involved?
How is income documented?
Is the property owner-occupied or investment?
What is the estimated credit range?
What is the timeline?
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