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N-QM Funding

We specialize in offering a diverse range of Non-QM and non-prime mortgage solutions tailored to meet unique borrower needs. Our expanded product line ensures more opportunities for brokers and their clients to secure financing. As a leading Non-QM mortgage lender, we prioritize flexibility and efficiency, enabling us to approve more loans compared to other lenders in the market. Our commitment to client-first service has earned us a strong reputation, supported by a team dedicated to simplifying the path to homeownership for Non-QM borrowers. By providing better options and streamlined qualification processes, we consistently deliver results that set us apart from other non-prime mortgage lenders.

Flex Supreme

Flex Supreme is a premier Non-QM loan program designed for highly qualified borrowers with stable employment, income, and asset histories. This non-prime loan program provides competitive pricing for borrowers who meet stringent credit and financial criteria, ensuring cost-effective solutions. Flex Supreme caters to individuals who may not qualify for traditional loans but maintain strong financial stability, making it an excellent option for premium Non-QM borrowers. With top-tier pricing and eligibility for those without credit challenges, Flex Supreme leads the way in delivering reliable Non-QM loan solutions. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

Select Prime Full Doc

This Non-QM loan program offers flexible lending solutions, including up to 90% LTV for wage earners and 85% LTV for ITIN borrowers, catering to those needing expanded credit options and relaxed requirements compared to traditional non-agency or jumbo loans. Designed for loan amounts up to $3,500,000, it accommodates non-warrantable condos and a variety of property types, including owner-occupied, second homes, and non-owner-occupied properties. Income documentation options include 12 or 24 months of full documentation or asset utilization calculations over 36 or 60 months, offering tailored solutions for diverse borrower profiles. With features like 12-month seasoning for credit events such as bankruptcy, foreclosure, or short sales, this non-prime loan program provides opportunities for U.S. citizens, permanent residents, non-permanent residents, and ITIN borrowers.

Select Alt Doc

This Non-QM alt doc loan program allows self-employed borrowers to qualify using our special income documentation options, such as bank statements, 1099s, alt doc (profit and loss statements (borrower prepared and unaudited). Consult your loan officer for additional information., or asset utilization, without requiring tax returns. Offering up to 90% LTV with a minimum 640 credit score, this non-prime loan program is ideal for jumbo loans up to $3,500,000, including jumbo cash-out refinancing options. Eligible for owner-occupied, second homes, and non-owner-occupied properties, it provides expanded credit flexibilities and reduced seasoning requirements for recent credit events. Eligible borrowers include U.S. citizens, permanent residents, non-permanent residents, and ITIN borrowers, this program accommodates diverse financial scenarios with tailored lending solutions.

N-QM Funding Offers the Following Loan Programs

As a leading prime jumbo mortgage lender, our Flex Supreme loan program offers competitive rates for highly qualified borrowers with strong credit, stable employment, and a solid financial history.Whether you’re looking to purchase, refinance, or cash out (up to $1M), this program provides flexible documentation options, including 12 or 24-month bank statements, 1099 income, or asset utilization, ensuring you meet the “Ability-to-Repay” Rule requirements commonsense, not underwriter guidelines. under the Dodd-Frank Act.

Non-Prime/ Non-QM Jumbo Program

N-QM is a fairly new Non-QM lender. However, they’re well on their way to the top of the Non-Qualified lending space as they are eager to fund loans as they aim to please their brokers as they increase their market ownership.

N-QM is “price matching” any other lender on a comparable loan program. N-QM Funding programs waterfall offering the best pricing for the most qualified borrowers who do not have any credit challenges and possess very stable employment, income and assets history.

Income Documentation

1 or 2 Years 12 month history Lite Doc and 24 months Alt Doc: 12 or 24 Months Bank Statements, 1 or 2 Years 1099, Asset Utilization also eligible to help DTI qualify or to show an “Ability-to-Repay” (Dodd-Frank Act).

Cash Out OK Maximum Cash Out (cash-in-hand) – $1,500,000

Prime jumbo purchase, refinance with or without cash out mortgage loan programs are designed for high-value property purchases and refinancing, including rate/term and cash-out options.

These loans offer flexible income documentation, including 12 or 24 months of bank statements, 1099 forms, or asset utilization, helping to meet the Ability-to-Repay rule.

This Non-QM mortgage option is ideal for those who need alternative methods to prove income and qualify for large loan amounts.

Flex Supreme

Select Prime Full Doc

Select Alt Doc

Asset Utilization / Depletion

Flex Second Lien

Super Jumbo

Investor DSCR 1-4 Units

Investor DSCR 5-10 Units or 2-8 Mixed Use

Foreign National

2/1 Temporary Buydown

P&L and 2 Month Bank Statement

Mortgage Pre-Qualification Form – No Credit Check

Check back often as we are always updating our lender and loan program information.

Last Updated on 2 weeks ago by Broker Mortgages

Alternative Income Documentation

Contact a Loan Officer

We specialize in offering a diverse range of Non-QM and non-prime mortgage solutions tailored to meet unique borrower needs. Our expanded product line ensures more opportunities for brokers and their clients to secure financing. As a leading Non-QM mortgage lender, we prioritize flexibility and efficiency, enabling us to approve more loans compared to other lenders in the market. Our commitment to client-first service has earned us a strong reputation, supported by a team dedicated to simplifying the path to homeownership for Non-QM borrowers. By providing better options and streamlined qualification processes, we consistently deliver results that set us apart from other non-prime mortgage lenders.

Flex Supreme

Flex Supreme is a premier Non-QM loan program designed for highly qualified borrowers with stable employment, income, and asset histories. This non-prime loan program provides competitive pricing for borrowers who meet stringent credit and financial criteria, ensuring cost-effective solutions. Flex Supreme caters to individuals who may not qualify for traditional loans but maintain strong financial stability, making it an excellent option for premium Non-QM borrowers. With top-tier pricing and eligibility for those without credit challenges, Flex Supreme leads the way in delivering reliable Non-QM loan solutions. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

Select Prime Full Doc

This Non-QM loan program offers flexible lending solutions, including up to 90% LTV for wage earners and 85% LTV for ITIN borrowers, catering to those needing expanded credit options and relaxed requirements compared to traditional non-agency or jumbo loans. Designed for loan amounts up to $3,500,000, it accommodates non-warrantable condos and a variety of property types, including owner-occupied, second homes, and non-owner-occupied properties. Income documentation options include 12 or 24 months of full documentation or asset utilization calculations over 36 or 60 months, offering tailored solutions for diverse borrower profiles. With features like 12-month seasoning for credit events such as bankruptcy, foreclosure, or short sales, this non-prime loan program provides opportunities for U.S. citizens, permanent residents, non-permanent residents, and ITIN borrowers.

Select Alt Doc

This Non-QM alt doc loan program allows self-employed borrowers to qualify using our special income documentation options, such as bank statements, 1099s, alt doc (profit and loss statements (borrower prepared and unaudited). Consult your loan officer for additional information., or asset utilization, without requiring tax returns. Offering up to 90% LTV with a minimum 640 credit score, this non-prime loan program is ideal for jumbo loans up to $3,500,000, including jumbo cash-out refinancing options. Eligible for owner-occupied, second homes, and non-owner-occupied properties, it provides expanded credit flexibilities and reduced seasoning requirements for recent credit events. Eligible borrowers include U.S. citizens, permanent residents, non-permanent residents, and ITIN borrowers, this program accommodates diverse financial scenarios with tailored lending solutions.

Alternative Income Documentation

Contact a Loan Officer