Non-QM Loans
Mortgage options for self-employed and unique financial situations.
Program Overview
What is a Non-QM
Loan?
Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who do not meet the strict criteria of a traditional Qualified Mortgage. These programs use alternative documentation and flexible underwriting to help self-employed borrowers, investors, and others with complex income situations qualify.
If your tax returns do not reflect your true earning power, or if you have a recent credit event, a Non-QM loan from Supreme Lending may provide a practical path to home financing.
Key benefits
Why Borrowers choose this loan?
Bank Statement Income
Qualify using personal or business bank statements instead of tax returns.
DSCR Programs
Investors can qualify based on the property's debt-service coverage ratio.
Recent Credit Events OK
Options available after bankruptcy, foreclosure, or other credit challenges.
Asset-Based Qualification
Use liquid assets to support qualification in place of traditional income.
Jumbo Loan Amounts
Finance higher-value properties with flexible Non-QM structures.
Common-Sense Underwriting
Programs evaluated on overall financial strength, not just one formula.
eligibility
Do you Qualify?
Every borrower's situation is unique. Below are typical guidelines. Our loan officers will review your specific scenario and confirm eligibility quickly.
✔ Borrowers with non-traditional income documentation
✔ Credit requirements vary by program and may be more flexible
✔ Down payment typically 10–20% depending on program
✔ Sufficient reserves may be required
✔ Property type and intended use must meet program guidelines
