Self-Employed
What is a non-QM loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A non-QM (non-qualified mortgage) loan uses alternative ways to prove you can repay — bank statements, assets, or rental cash flow — instead of the standard tax-return method. It's not subprime; it's flexible documentation.
Non-QM serves self-employed borrowers, investors, and anyone whose income doesn't fit a W-2 box. Rates run a bit higher to reflect the flexibility. We match Florida borrowers to the specific non-QM program that fits their income picture.
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