Non QM Loans
Unique loans for unique circumstances.
San Diego Non QM Loans
Your situation is unique, and so should your home loan. Non qualifying mortgage (QM) loans are for borrowers who may not fit conventional mortgage guidelines but can qualify in alternative and flexible ways.
About Non QM Loans
Is a Non QM Loan Right for You?
If you are self-employed, have fluctuating income, or own significant assets, a Non QM loan might be perfect for you. Non QM loans are also suited to borrowers seeking alternative and flexible payment terms, such as interest-only.
Benefits of a Non QM Loan
Alternative Qualification
Have a non-traditional financial situation? You may qualify for a non QM loan.
Regular Income Not Required
You can qualify even if you have multiple income streams or an inconsistent paycheck (such as contract workers).
Credit History Flexible
Donât let a low credit score or negative marks on your credit disqualify you from getting a mortgage. Work around it with a non QM loan.
Close Quickly
Non QM loans typically close quickly so you can settle into your dream home faster.
Non QM Loan Eligibility Requirements
- Non QM loans let borrowers with unique situations get access to a mortgage thatâs as flexible as their situation. Get in touch with us at National Home Loans to learn about your options.
Non QM Loan FAQs
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Iâm looking to invest in a property. Can I get a non QM loan to purchase it?
Yes you can. Many real estate and property investors avail themselves of non QM loans. You also donât have to reside in the property to qualify.
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I canât afford a lot to repay right now, but Iâve accepted a better-paying job that begins next year. Can I still apply for a non QM loan?
You certainly can. Thatâs how flexible non QM loans are. You may be able to pay your interest only for the first year and increase your monthly payments when your new job begins.
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I already have a mortgage. Can I refinance to a non QM loan?
Yes! Talk to National Home Loans about your refinancing options and weâll help you find the best option.
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