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Not all borrowers qualify for Conventional or FHA loans due to the strict income and credit requirements. Non-QM loan programs allow for alternative types of income and credit history. Non-QM is not the same as sub-prime. There are many Non-QM programs and more new programs every day. As the market is changing so are the loan programs.
Small business owners, real estate investors, self-employed, Gig workers and anyone with less than perfect credit. QM-lenders are open-minded and will make exceptions.
Are you a borrower with good credit, bad credit, recent bankruptcy, recent foreclosure, recent late payment, retired borrowers, or those without income but substantial assets. Many borrowers who do not qualify for a government and/or conventional loans can now qualify for a non-QM and/or non-traditional mortgage.