Loan Program
Non-QM Loans
A strong borrower with a complicated tax return is still a strong borrower.
Overview
What this program is for.
Non-QM programs underwrite income differently: bank statements, asset depletion or property cash flow instead of pay stubs and W-2s. They exist for business owners, 1099 earners and real estate investors whose returns are written to minimize taxable income.
These files live or die on how they are packaged. Lisamarie reviews the documentation with you before the file goes out, so the story the numbers tell is the right one.
Highlights
Non-QM Loans at a glance.
Bank statement income
Deposits used to document income instead of tax returns.
Investor friendly
Programs built around rental property cash flow.
Self-employed and 1099
Designed for income that conventional guidelines penalize.
Reviewed before submission
Documentation checked with you up front, not after a decline.
How It Runs
The same four steps, every file.
01. Pre-Approval
A real pre-approval tells you your range, makes your offer credible to a listing agent, and sets the file up to move fast.
02. Loan Application
A defined document list, given to you once and up front, not drip fed as a series of surprise requests.
03. Underwriting
Your file is reviewed and conditions are cleared as they come in. You are told where it stands rather than left guessing.
04. Closing
Documents are drawn and sent to the title company, and you sign. Closing on time is the commitment.
Also Consider
Related programs.
First-Time Buyers
A real pre-approval, and someone who explains every decision before you have to make it.
Learn more →Conventional Loans
The standard on most Texas purchases, and often the cheapest once you have equity or strong credit.
Learn more →FHA Loans
Lower down payment and more forgiving credit guidelines, backed by the federal government.
Learn more →
