NON QM Loans
A Non-QM (Non-Qualified Mortgage) loan is designed for buyers who may not meet traditional lending guidelines but are still financially strong
ABOUT LOAN
What is a
Non-QM Loan?
A Non-QM (Non-Qualified Mortgage) loan is designed for buyers who may not meet traditional lending guidelines — but are still financially strong. If you're self-employed, have variable income, or need flexibility in how your finances are evaluated, Non-QM may be the perfect fit.
Who is It Best For?
Self-Employed Borrowers
Real Estate Investors
Commission-Based or Gig Workers
Credit-Challenged Buyers
BENEFITS
Benefits of Non-QM Loans
Flexible income documentation
(Bank statements, 1099s, asset-based, P&L only)
Higher debt-to-income (DTI) allowed
Great for those with strong cash flow but higher monthly obligations.
Interest-only options available
Lower monthly payments, especially helpful for investors or transitional buyers.
Alternative credit solutions & Fast closings
Perfect for those rebounding from credit events or working on rebuilding also with fewer hurdles and more creative solutions.
Requirements
Non-QM
Loan Requirements
12–24 months of personal or business bank statements instead of tax returns.
Use asset depletion as income, your savings or investments help you qualify.
Flexible income verification for those with irregular or seasonal earnings.
Loan amount within local conforming loan limits
Past bankruptcies, late payments, or short sales may be acceptable.
Loan Process
Overview
1:Get Pre-Approved
Start with a quick and easy pre-qualification.
2:Choose Your Home
Find the perfect home that meets your goals.
3:Submit Documents
We’ll help guide you through the paperwork.
4:Close Your loan
Sign, fund, and receive your keys!
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Valor Mortgage is powered by Encore Lending Group, LLC NMLS 1249911,
Christopher Armantrout Loan Officer NMLS 1210804
