Being self-employed comes with a lot of benefits—freedom, flexibility, and the chance to build something on your own terms. But when it’s time to apply for a mortgage, things can get tricky. Traditional lenders often require stacks of paperwork, like W-2s or tax returns, that don’t reflect how you actually earn.
That’s where Non-QM loan programs come in. These loans are specifically designed to work with your unique financial situation, offering more flexible qualification options. At LendSure Home Loans, we make it easy for self-employed borrowers to get the financing they need—without jumping through the usual hoops.
Let’s explore how Non-QM mortgage solutions open the door to new opportunities.
What Are Non-QM Loans?
Non-QM loans, short for non-qualified mortgages, are a great fit for borrowers who don’t meet the traditional lending criteria. They focus on your overall financial picture, offering more options to qualify.
Key Features of Non-QM Loans:
- Alternative Documentation: Qualify using bank statements, profit and loss reports, or even your assets.
- Customized Loan Terms: Flexible programs tailored to your specific financial goals.
- Broader Eligibility: Perfect for borrowers with fluctuating income, high debt-to-income ratios, or multiple income sources.
These loans make homeownership and real estate investments possible, even when the traditional path doesn’t work for you.
LendSure Home Loans’ Non-QM loan programs
At LendSure Home Loans, we offer a variety of Non-QM mortgage solutions that fit different financial situations. Here’s how we can help:
- Bank Statement Loans: If you’re self-employed with irregular income, this program is for you. Instead of tax returns, you can use 12-24 months of bank statements to show consistent deposits.
- Asset Depletion Loans: Got significant savings or investments? This program lets you use those assets to qualify for a loan, even if you don’t have steady income documentation.
- Debt Service Coverage Ratio (DSCR) Loans: For property investors, this program focuses on the property’s cash flow instead of your personal income. It’s a great way to expand your portfolio without extra hassle.
- Bridge Loans: Need to buy a new property before selling your current one? Bridge loans offer short-term financing with NO MONTHLY PAYMENTS FOR UP TO 12 months*, making transitions easier.
- Foreign National Loans: For non-U.S. citizens looking to invest in American real estate, this program offers flexible documentation and straightforward terms.
Explore the rest of our alternative financing solutions here.
How LendSure Home Loans Makes The Loan Process Easier
We know the mortgage process can feel overwhelming, especially when you’re self-employed. That’s why we focus on making it simple, fast, and tailored to you.
Flexible Income Verification
Forget W-2s and tax returns. With LendSure, you can use:
- Bank Statements: Show 12-24 months of deposits to highlight your income.
- Profit and Loss Statements: A CPA-certified report that reflects your earnings.
- Asset Depletion: Convert savings and investments into qualifying income.
Streamlined Approval Process
We’ve streamlined the entire process so you can move forward with confidence:
- Less Paperwork: Fewer hurdles mean a smoother experience.
- Quick Turnaround: Pre-approvals often happen typically within hours.
- Clear Communication: Our team is here to guide you every step of the way.
PLUS! For investors, our LendDSCR Calculator helps you quickly evaluate loan pricing options, making decisions easier and faster.
Why Choose Non-QM Loans?
Traditional loans aren’t built for everyone. If you’re self-employed or have a unique financial situation, Non-QM loan programs can:
- Help you qualify without relying on outdated requirements.
- Offer terms tailored to your goals.
- Make the process faster and more flexible.
With LendSure, you get the benefit of personalized solutions designed to work with your financial reality—not against it.
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.
