Equal Housing Lender
Non-QM and conventional lending, explained before you apply.
Bank-statement, DSCR investor, asset-based, and full-doc options. Program descriptions first — not a rate banner.
Your journey starts here
Clarity first, then file work: conversation, application, underwriting, clear to close.
Conversation
Occupancy, state, documentation path, and whether a Non-QM overlay is even needed.
Application
Disclosures, credit authorization, and a real file — not a teaser quote.
Underwriting
Conditions, property, reserves, and investor guidelines.
Clear to close
Final figures, signing, funding. No loan is committed until approved.
Loan programs
Conventional / QM
Full-doc W-2 or tax-return files when they fit. Usually the first look.
Bank-statement Non-QM
12–24 months deposits for self-employed borrowers with heavy write-offs.
DSCR investor
Qualify the rental’s cash flow. Vesting in an entity is often available.
Educational payment estimator
Not a quote and not a Loan Estimate. Example figures only. HOA dues and mortgage insurance are not included. Estimated APR is a teaching tool that shows how prepaid finance charges can make APR higher than the note rate.
Non-QM map (educational)
Illustrative product geography. Confirm current licensing on NMLS Consumer Access before any application.
Questions we hear first
What does Non-QM actually mean?
It is a loan that is not a Qualified Mortgage under CFPB rules. Ability-to-repay still matters. Documentation is often alternative (bank statements, DSCR, assets.
Is the estimator a loan quote?
No. It is educational. Tax and insurance fields are estimates you enter. Estimated APR uses the example note rate plus the prepaid finance charges you type in. A real APR appears on official disclosures after an application.
How do I verify licenses?
Use https://www.nmlsconsumeraccess.org/ — search company NMLS ID. Company licensing page:.