Even in a challenging mortgage market, the non-QM sector is thriving. In 2024, many lenders have reported steady growth and strong monthly funding volumes, proving there’s a real need for flexible lending solutions that work for borrowers with unique financial situations.
At LendSure Home Loans, we’re here to meet that demand. Our Non-QM loan programs make it easier for borrowers to secure financing—and for Real Estate Agents to close deals—without the restrictions of traditional loans.
For Real Estate Agents, partnering with LendSure Home Loans means having more options for clients who don’t fit the typical lending mold. When conventional lenders say “no,” LendSure Home Loans finds ways to say “yes.” Whether it’s a self-employed borrower, a real estate investor, or a foreign national, LendSure provides flexible, tailored loan solutions that align with borrowers’ unique financial realities. By stepping in where traditional lenders can’t, LendSure empowers Real Estate Agents to close more deals and deliver financing options that make homeownership and investment possible for more clients.
With a range of Non-QM mortgage solutions, tools like the LendDSCR Calculator, and expert guidance, we make the process simple and straightforward. Let’s take a closer look at how LendSure Home Loans helps both Real Estate Agents and borrowers achieve their goals.
What Are Non-QM Loans?
Non-QM loans, or non-qualified mortgages, are designed for borrowers who don’t meet the strict requirements of traditional mortgages. These loans offer flexibility by accommodating alternative income verification and addressing the needs of borrowers with complex financial situations.
Key Features of Non-QM Loans:
- Flexible Documentation: Use bank statements, profit and loss statements, or asset verification instead of traditional pay stubs or W-2s.
- Tailored Solutions: Custom loan options to fit a variety of financial profiles.
- Increased Approval Chances: Perfect for borrowers with high debt-to-income ratios or with properties such as condotels or non-warrantable condos.
For borrowers like self-employed individuals or foreign nationals, Non-QM loans can open doors to homeownership and investment opportunities.
Why Choose LendSure for Non-QM Lending?
At LendSure Home Loans, we don’t just provide loans—we provide solutions. Our Non-QM loan programs are designed with your success in mind, offering options and tools to simplify every step of the process.
A few of our specialized alternative financing programs include:
- P&L and Bank Statement Loans: Ideal for self-employed borrowers who can’t use traditional income verification.
- Investment Property Loans: Tailored for real estate investors looking to grow their portfolios. These include Debt Service Coverage Ratio (DSCR) loans, Fix and Flip loans, Ground-Up Construction loans, Investor Full Doc, and Foreign National loans.
By offering these unique options, we help Real Estate Agents cater to a wider range of clients while giving borrowers more opportunities to secure financing.
Streamlining the Loan Process
LendSure is committed to making the lending process as smooth and efficient as possible. With innovative tools and hands-on support, we ensure every application is handled with care and precision.
Innovative Tools for Real Estate Agents and Borrowers
- LendDSCR Calculator: Our LendDSCR Calculator simplifies the pricing process for DSCR loans, allowing you to provide accurate, transparent information to your clients quickly.
- Quick Decisions: Many loans are pre-approved typically within hours, allowing clients to act fast in competitive markets.
- Digital Resources: Access our industry articles, videos, and tools to make informed decisions and find the best loan for your situation.
Dedicated Support Every Step of the Way
- Expert Advice: Our team works with you to find the best solutions for your unique needs.
- Ongoing Communication: Regular updates keep you informed throughout the process.
- Responsive Service: From documentation to funding, we’re here to answer questions and remove roadblocks.
The LendSure Home Loans Advantage for Real Estate Agents
Working with LendSure gives Real Estate Agents a competitive edge. Our Non-QM mortgage solutions make it possible to help more clients, even those with unconventional financial situations.
- Expand Your Client Base: Offer solutions for self-employed borrowers, real estate investors, and foreign nationals.
- Close Deals Faster: Programs like bridge loans allow your clients to make non-contingent offers, giving them a better chance of securing their dream home.
- Build Your Reputation: Providing flexible options strengthens relationships with clients, leading to more referrals and long-term success.
The LendSure Home Loans Advantage for Borrowers
For borrowers, LendSure’s focus on flexibility means more opportunities to achieve your homeownership or investment goals.
- Alternative Income Verification: Use bank statements, asset depletion, or other non-traditional methods to qualify.
- Bridge Loans: Secure immediate funds to purchase a new home without waiting to sell your current one. Plus, enjoy NO MONTHLY PAYMENTS FOR UP TO 12 MONTHS!*
- Custom Solutions: Whether you’re a first-time investor or an experienced property owner, we have loan programs tailored to your needs.
With less stringent requirements and faster approvals, LendSure makes the lending process easier, even for borrowers with complex financial situations.
Why Choose LendSure Home Loans?
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan.
We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we often say ‘yes’ to today’s homeowners and investors.
Ready to explore how LendSure Home Loans’ can help you finance your next property? Contact us today.
* a one-time repayment is due at the end of the loan term or when the property sells, with interest accruing during this time. Other restrictions and limitations may apply.
