Unique borrowers deserve unique loan options.
Standard mortgage qualifying works great for some people. If your financial picture doesn't fit neatly into that box, that's not a problem. We have programs built for real life, not just the textbook version of it.
Non-QM Home Loans (short for Non-Qualified Mortgage), are programs that operate outside the standard qualifying guidelines. No tax returns required in some cases. No Social Security number required in others. Even higher loan limits for million dollar homes. The common thread is flexibility. If you've been told you don't qualify, it's worth a second conversation.
Each of these programs serves a different borrower situation. Find the one that sounds most like yours.
Self-Employed Home Loans
You built something of your own. The mortgage process shouldn't penalize you for it. Whether you're a small business owner, a freelancer, a contractor, or a gig worker, we have alternative documentation options that work with the way your income actually looks, not just what shows up on a tax return.
Learn MoreBank Statement Loans
If your deposits tell a better story than your tax returns, we'll use your deposits. Personal or business bank statements from the last 12 months can be used to verify income, with loan amounts up to $3 million, financing up to 90%, and no mortgage insurance required.
Learn MoreITIN Home Loans
Homeownership doesn't require a Social Security number. ITIN loans offer flexible financing options for non-permanent residents, with loan limits up to $1.5 million, a minimum credit score of 660, and eligibility for both primary residences and second homes.
Learn MoreOther situations we can help with
Non-QM flexibility extends beyond income documentation. If any of these situations sounds familiar, your loan officer can walk you through what's available.
Asset Qualification: Retired or living off investments? You may be able to qualify based on assets held in retirement, investment, or savings accounts rather than active income. Ask your loan officer how asset depletion qualifying works.
Recovering from a Financial Setback: A past bankruptcy, foreclosure, or short sale doesn't have to follow you forever. Depending on how long ago it occurred and what's happened since, there may be a path to homeownership sooner than you think.
Real Estate Investors: Qualifying based on a property's rental income rather than your personal income changes the math considerably. DSCR-based loans are built for borrowers who think in terms of cash flow.
Not sure which program fits?
Non-QM has more variables than conventional qualifying,
and the right answer depends heavily on your specific situation.
The fastest way to find out what you're working with is to
talk to a Castle & Cooke Mortgage loan officer today!