NON-QM Options

At Graham Lending Expert, we understand that not every borrower fits the traditional mortgage mold. That’s why we offer a variety of Non-Qualified Mortgage (Non-QM) solutions for self-employed individuals, real estate investors, and those with unique financial profiles. Whether you can't verify income through tax returns or need alternative documentation, Non-QM loans provide the flexibility you need to qualify.

A Non-QM mortgage is a loan that doesn’t meet the strict guidelines set by government agencies like Fannie Mae or Freddie Mac. These loans offer greater flexibility in underwriting, income documentation, and credit standards—making them ideal for borrowers who fall outside conventional criteria.

Perfect for self-employed borrowers or small business owners who don’t have traditional W-2 income.

Key Features:

• Qualify using 12-24 months of personal or business bank statements
• No tax returns required
• Flexible credit score requirements
• Ideal for freelancers, entrepreneurs, and gig workers

Designed for real estate investors to qualify based on property cash flow—not personal income.

Key Features:

• No income or employment verification required
• Qualification based on rental income vs. expenses (DSCR ≥ 1.0)
• Ideal for buying or refinancing rental properties
• Fast, streamlined approval

Short-term, asset-based loans ideal for fix-and-flip projects, bridge financing, or unique investment situations.

Key Features:

• Quick funding (often within days)
• Based on property value, not borrower credit or income
• Flexible terms and minimal documentation
• Great for investors who need fast access to capital

Non-QM loans are a great option for:

• Self-employed individuals and entrepreneurs
• Borrowers with recent credit events (e.g., bankruptcy or foreclosure)
• Investors purchasing rental or commercial properties
• Foreign nationals or non-resident borrowers
• Retirees with high assets but limited reportable income

At Graham Lending Expert, we specialize in creative lending solutions for non-traditional borrowers. Our mortgage professionals:

✔ Offer expert guidance on Non-QM loan products
✔ Partner with top Non-QM lenders for competitive terms
✔ Provide personalized loan structuring
✔ Ensure a fast, transparent loan process

If you're exploring alternative mortgage options, our team is ready to help you find the right Non-QM solution. We make home financing possible—even when others say no.

📞 Call us at 843-246-4997
💬 Schedule a free consultation
📩 Apply online in minutes!

Graham Lending Expert – Creative Financing for Every Homebuyer and Investor