Non-QM (Non-Qualified Mortgage) loans help borrowers in North Carolina and South Carolina who don’t fit inside traditional Fannie/Freddie or FHA/VA guidelines. If you’re self-employed, an investor, a foreign national, or recovering from a credit event, a Non-QM loan may be your path to the closing table.
Why Non-QM?
Standard mortgage underwriting uses W-2 income and tax returns. Self-employed owners, real estate investors, and non-traditional earners often show lower qualifying income on paper than what they actually earn. Non-QM programs use alternative documentation — bank statements, rental income, assets, or P&L statements — to qualify you on your real cash flow.
Our Non-QM Loan ProgramsBank Statement Loans — 12 or 24 months deposits, no tax returns
DSCR Loans — Investment properties qualified by rental income
ITIN Loans — Home loans using ITIN instead of SSN
Asset Depletion — Qualify using liquid assets
P&L Only Loans — CPA-prepared profit & loss in place of returns
1099 Only Loans — For contractors and gig workers
Foreign National Loans — No US credit required
Recent Credit Event — 1 day out of BK, short sale, or foreclosure
Typical Non-QM GuidelinesCredit scores from 620+
Down payments from 10–25%
Loan amounts to $5M+
Primary, 2nd home, and investment eligible
Interest-only and 40-year terms available
Who Benefits From Non-QM Self-employed business owners with write-offs
Real estate investors scaling past Fannie’s 10-property cap
Foreign nationals and ITIN borrowers
High-net-worth clients with asset-based qualifying
Borrowers with recent credit events who’ve re-established income
NC & SC Markets We Serve
Charleston, Summerville, Mount Pleasant, Myrtle Beach, Greenville, Columbia, Charlotte, Raleigh, Durham, Asheville, Wilmington, and all NC/SC communities.
Start Your Non-QM Pre-Approval
Call (843) 376-6213 or apply online. We’ll match your scenario to the right Non-QM program and investor.