NON-QM Loan Programs
Alternative financing solutions for borrowers who don't fit conventional underwriting guidelines. No tax returns. No W-2s. No problem.
Available Programs
Asset Qualifier
Qualify on Assets, Not Income
Use your liquid assets — savings, investments, retirement accounts — as qualifying income. No income docs, no tax returns. FICO to 660, loans up to $4MM. No cash-out seasoning.
Bank Statement Qualifier
NonQM for Self-Employed
Qualify using 12–24 months of bank deposits — no W-2s, no tax returns. 90% LTV on purchase with 680 FICO. FICO down to 620. Loans up to $4MM.
NONI Loan
Non-Owner No Income
Qualify on asset value alone — no W-2s, no tax returns, no income verification required. Designed for serious real estate investors.
Landing page coming soon
DSCR Loan
Coming SoonQualify on rental income — no personal income docs needed.
Landing page coming soon
Bank Statement Loan
Coming SoonUse 12–24 months of deposits instead of tax returns.
Landing page coming soon
Asset Depletion Loan
Coming SoonConvert assets to qualifying income for large-balance buyers.
Landing page coming soon
No-Ratio Loan
Coming SoonNo DTI, no income, no tax returns — pure asset-based approval.
Landing page coming soon
Interest-Only Loan
Coming SoonLower monthly payments with interest-only period options.
Landing page coming soon
Foreign National Loan
Coming SoonUS investment property financing for non-US citizens.
Need a Custom NON-QM Solution?
We have access to 250+ lenders — if a path to approval exists, we'll find it.
Pacific Rate NMLS #329956 | Empowered by NEXA Lending NMLS #1660690 | Equal Housing Lender
