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Tailored Financial Solutions​

A non-QM (Non-Qualified Mortgage) loan is designed for borrowers who do not meet traditional mortgage requirements. Unlike conventional loans, non-QM loans offer flexible underwriting guidelines, making them ideal solutions for self-employed individuals, investors, or those with unique income situations.

Benefits of Non-QM Loans with Home123

Flexible Eligibility Criteria

Home123 offers Non-QM loans that accommodate various income verification methods, enabling self-employed borrowers or those with complex financial situations to secure a mortgage.

Customized Loan Options

Our Non-QM loans are tailored to meet your unique needs, whether you want to purchase a primary residence, invest in property, or refinance an existing mortgage.

Competitive Rates

Despite being non-traditional, Non-QM loans from Home123 offer competitive interest rates, making them an attractive option for many borrowers.

Quick Approval Process

Our streamlined application process allows for a faster approval timeline than traditional mortgage loans.

Why Choose a Non-QM Loan?

Non-QM loans cater to diverse borrowers by considering alternative documentation to verify income, such as bank statements or asset utilization. This flexibility allows more people to achieve their homeownership or investment goals, even if they don’t meet standard lending criteria.

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Types of Non-QM Loans Offered by Home123

A non-QM (Non-Qualified Mortgage) loan is designed for borrowers who do not meet traditional mortgage requirements. Unlike conventional loans, non-QM loans offer flexible underwriting guidelines, making them ideal solutions for self-employed individuals, investors, or those with unique income situations.

Bank Statement Loans

Ideal for self-employed individuals, these loans use personal or business bank statements to verify income instead of tax returns.

Interest-Only Loans

These loans allow you to pay only the interest for a specified period, making monthly payments lower during the initial term.

Asset-Based Loans

These loans are for borrowers with substantial assets. They consider assets like savings, investments, and retirement accounts as the basis for loan approval.

Investor Cash Flow Loans

Tailored for real estate investors, these loans use rental income to qualify, focusing on the property’s cash flow rather than the borrower’s income.

Who Can Benefit from Non-QM Loans?

Self-Employed Professionals

Without traditional W-2 forms, self-employed individuals can use their bank statements or assets to qualify for loans.

Real Estate Investors

Flexible underwriting standards can benefit those with multiple properties or looking to expand their portfolio.

Borrowers with Credit Challenges

Individuals with past credit issues, such as bankruptcy or foreclosure, may find Non-QM loans more accessible.

High-Net-Worth Individuals

Borrowers with substantial assets but irregular income streams can use asset-based qualification methods.

How to Apply for a Non-QM Loan with Home123

Applying for a Non-QM loan with Home123 is straightforward. Our dedicated team of mortgage professionals is here to guide you through every step of the process
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Initial Consultation

Discuss your financial situation and goals with our experienced loan officers to determine the best non-QM loan product for you.

Document Submission

Provide alternative documentation such as bank statements, asset statements, or other relevant financial records.

Loan Processing

Our team will process your application swiftly, thoroughly reviewing all documentation.

Approval and Closing

Once approved, we will guide you through the closing process, ensuring a smooth and efficient experience.

Contact Home123 Today

Home123 is committed to helping you find the right mortgage solution. Whether you are self-employed, an investor, or someone with unique financial circumstances, our Non-QM loans offer the flexibility you need. Contact us today to learn more about our tailored loan options and start your journey to homeownership or investment success.
Call Us 844-466-3123

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FFC Mortgage Corp. dba Home123 Mortgage is a New York Corporation formed in 1987.  Today the company is run by talented & experienced Mortgage Executives who collectively have over 150 years in mortgage lending combined. The culture of the company is unique with an employee-owned mindset in putting customer service first.

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Home123 Realty generates individual property reports for those clients that engage the company to provide this service.

If you would like this service, please contact us. CLICK on the ‘FREE Consultation’ button above or submit your phone number here.

Our technology captures your target markets, desired returns, and capital to invest to determine financing prequalified properties meeting your specific needs. 

Unfortunately, today our property/financing integrated technology is available only to our internal Home123 Advisors.  However, you may access its benefits and get a personalized list of qualified properties by contacting a Home123 Advisor.

To speak to an advisor and verify the value of our service, CLICK on the ‘FREE Consultation’ button above or submit your phone number here.

We do plan on offering our technology to private investors in the near future.  Please check back regularly to get early bird pricing. 

Our technology captures your target markets, desired returns, and capital to invest to determine financing prequalified properties meeting your specific needs. 

Unfortunately, today our property/financing integrated technology is available only to our internal Home123 Advisors.  However, you may access its benefits by contacting a Home123 Advisor.

To speak to an advisor and verify the value of our service, CLICK on the ‘FREE Consultation’ button above or submit your phone number here.

We do plan on offering our technology to private investors in the near future.  Please check back regularly to get early bird pricing. 

Today, our property/financing integrated technology is available only to our internal Home123 Advisors.  However, you may access its benefits by contacting a Home123 Advisor.

To speak to an advisor and verify the value of our service, CLICK on the ‘FREE Consultation’ button above or submit your phone number here.