Non-Qualified Mortgages

Your first step is to setup a free consultation with Alex but if you've already done that, it's time to talk to a lender. You can't make a plan without know your buying power; set up a free call with my favorite lender so we can start planning your next move! Having the right realtor and lender on your team is vital to success for first time home buyers. 

The lender I trust the most with my clients, is Brian Driscoll, an industry expert with nearly three decades of experience helping buyers and homeowners finance their next move or refinance their current mortgage.

Do You Have Non-Tradition (W2) Income?

The traditional mortgage landscape often favors salaried employees with W-2 income verification. This can leave out a significant portion of savvy real estate investors, including:

• Independent Professionals: Freelancers, contractors, and self-employed individuals may have fluctuating income that doesn't fit the mold.

• Real Estate Investors: Building a strong portfolio often involves alternative income streams beyond traditional salaries.

• Small Business Owners: Business owners may have complex income structures that standard mortgage applications struggle to capture.

But there's good news! Non-Qualified Mortgages (Non-QM loans) offer a powerful alternative for those who don't fit the typical borrower profile. These loans provide a path to real estate ownership by using alternative methods to assess your ability to repay.

Flexibility for Today's Real Estate Investor

Non-QM loans offer a breath of fresh air with their flexible approach to income verification. Here's how they can benefit different investor groups:

• Independent Professionals: Show your true financial strength! Non-QM loans may consider bank statements, asset reserves, or other verification methods to accurately assess your income.

• Real Estate Investors: Grow your portfolio strategically. Non-QM loan options exist specifically for financing investment properties, allowing you to capitalize on market opportunities.

• Small Business Owners: Don't let your business structure hold you back. Non-QM loans can consider the overall financial health of your business, not just a traditional paycheck.

Unlocking Your Real Estate Dreams

Non-QM loans are a valuable tool for investors who want to break free from the limitations of traditional mortgages. They offer a path to build wealth through real estate ownership, regardless of your employment structure.

Important Note: Non-QM loans may come with different terms and interest rates compared to traditional mortgages. Consult with a qualified mortgage professional to determine if a Non-QM loan is the right choice for you.