All loan programs

Alternative documentation or loan structures

Non-QM

Non-Qualified Mortgage is a broad category, not one specific product. Some programs accommodate income documentation or borrower scenarios outside standard Qualified Mortgage criteria.

Documentation to discuss

Depending on the program, documentation may include bank statements, business financials or assets. The lender still requires evidence appropriate to the loan.

What needs individual review

Non-QM does not mean no underwriting or unlimited nationwide availability. Costs, requirements, protections and program availability need individual review.

Program or industry reference

Educational information only. Licensing, credit approval, property requirements and lender guidelines apply. This is not a rate quote or commitment to lend. Mortgage services are provided through Heart Mortgage Corporation, NMLS #2045769.