You run a business. Your mortgage shouldn't punish you for it.
Write-offs lower your taxable income — and that's what banks look at. Bank statement loans use your actual deposits instead. We shop the lenders who specialize in files like yours.
Business owners, 1099 contractors, gig workers, commission earners, retirees with strong assets, and borrowers with a recent credit event.
Programs we shop
More than one way to show your income.
Bank statement loans
Qualify on 12 or 24 months of personal or business deposits.
1099 / P&L loans
Qualify on 1099s or a profit-and-loss statement.
Asset-based loans
Qualify on savings and investments instead of income.
Recent credit event
Options after a bankruptcy, foreclosure, or short sale.
Why a broker helps
Banks don't offer these programs. Non-QM lives almost entirely in the wholesale world — exactly where we shop.
How it works
Three steps to closing.
Tell us how you earn
We'll pick the program that shows your income best.
Send statements
Not a stack of tax returns.
We shop non-QM lenders
And guide you through closing.
Questions, answered straight
Common questions
Are these loans more expensive?+
Usually somewhat, since they carry more lender risk. We'll compare them against conventional options so you see the real difference.
Can I refinance into a conventional loan later?+
Often, yes, once your tax returns support it.
Business or personal statements?+
Either can work. We'll recommend whichever shows your income best.
How long do I need to be self-employed?+
Many lenders want two years; some accept less.
Get your options in about a minute
Tell us a little about your situation and we'll prepare your options.
Talk to us directly
Call, text, or book a time that works. We'll walk you through what's possible for your situation.