Non-QM or non qualifying mortgages are special loans that do not have to adhere to the strict guidelines of Fannie Mae or Freddie Mac. As such, they offer very flexible qualifying criteria. For example, for self employed borrowers who don’t report sufficient income on their tax returns, we can use bank statements or P&L statements to calculate income! High net worth individuals can even use an asset depletion method to calculate income. We also offer specialized loans for real estate investors where the entire cost to purchase and renovate a property can be financed with as little as 10% down! We also offer loans to foreign nationals where income and assets from another country can be used to qualify for a loan. The fact is that there are many ways to finance real estate, regardless of your income, credit or legal status.
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