What is a Non-QM loan?

Non-QM (Non-Qualified Mortgage) loans are alternative financing options designed for borrowers who may not fit traditional lending criteria. Unlike conventional loans, they do not require standard income verification methods like W-2s or tax returns.

They use alternative methods for income verification, such as bank statements, asset depletion, or property cash flow (DSCR), making them ideal for self-employed individuals, real estate investors, and borrowers with complex financial profiles.

Key Benefits

• Alternative Income Verification: Qualify using Bank Statements, 1099s, or Assets rather than tax returns.
• Flexible Credit Requirements: Programs available for borrowers with diverse credit backgrounds.
• Higher DTI Allowances: More flexibility with Debt-to-Income ratios compared to traditional products.
• Investor Focused: Options for foreign nationals, ITIN borrowers, and those closing in an LLC.

As a wholesale mortgage broker, EZIO Lending works with a broad network of Non-QM lenders to find the specific program that fits your unique scenario.

Have a Scenario?

Tell us about your property and loan request. We'll help you identify realistic lending options.