Non-QM LoansMortgages outside the conventional box.

Non-Qualified Mortgages give creditworthy borrowers a path to financing when their profile doesn't fit Fannie Mae or Freddie Mac guidelines — without sacrificing competitive terms.

Get Pre-Qualified Call (917) 536-8709

Confident self-employed business owner outside her storefront

Why borrowers choose this

Built around how youactually qualify.

Qualify on your terms

Income calculated the way your business actually works — not how a W-2 looks.

Higher loan amounts

Access jumbo financing up to $5M+ when conventional caps fall short.

Flexible structures

Interest-only, 40-year terms, and creative DTI ratios when you need them.

Faster decisions

Common-sense underwriting from people who actually pick up the phone.

Program highlights

Loan amounts up to $5M+
Interest-only options available
Flexible credit and DTI guidelines
Primary, second home, or investment

Typical requirements

Credit score from 620+
10–25% down depending on profile
Reserves typically 3–12 months

Ideal for: Borrowers outside conventional Fannie/Freddie boxes

FAQ

Common questions

Also explore

Other Flexx loan programs

Bank Statement Loans

Qualify using 12 or 24 months of personal or business bank statements instead of W-2s or tax returns. Built for self-employed earners with strong cash flow.

Learn more