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Non-QM Loans for Self-Employed Home Buyers in Los Angeles
Get approved with 1099 income, bank statements, or asset-based financing — no W-2s required.
Get My Custom QuoteWhy Non-QM Loans?
If you’re self-employed, receive 1099 income, or rely on rental or investment earnings, qualifying for a traditional mortgage can be tough. Non-QM (Non-Qualified Mortgage) loans offer a smart solution — with flexible documentation and custom underwriting that aligns with your real income. Perfect for high-credit borrowers who fall outside conventional guidelines.
What We Offer
Non-QM Mortgage Programs We Specialize In:
- 12- and 24-month bank statement loans
- DSCR (Debt-Service Coverage Ratio) investor loans
- Asset depletion programs
- Interest-only and alternative income options
- No tax return loans (on select programs)
- Loan amounts up to $5 million
- Available across Greater Los Angeles, Orange, and Ventura Counties
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FAQs About Non-QM Loans
FAQs About Non-QM Loans
A Non-Qualified Mortgage is a loan that doesn’t meet agency guidelines but still allows qualified borrowers to finance a home using alternative income documentation.
Yes. We offer programs that use bank statements, 1099s, or asset verification instead of tax returns.
Our average Non-QM file closes in 21–30 days. Faster closings are available depending on documentation.
Most Non-QM programs require a credit score of 660 or higher, but we have options for borrowers recovering from credit events.
They may carry slightly higher rates, but they allow buyers to qualify when traditional financing is not an option — often with less stress and more flexibility.
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