Non-QM Loans

Non-QM Mortgage Loans in Texas

Non-qualified mortgages designed for borrowers whose situations don't fit the standard conventional or government underwriting box.

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About this program

Non-QM stands for non-qualified mortgage. These are loans that don't meet the Consumer Financial Protection Bureau's strict 'qualified mortgage' definition, usually because the underwriting uses flexible or alternative documentation methods rather than the standard two-years-of-tax-returns model.

Non-QM is an umbrella that includes bank statement loans, P&L-only loans, VOE-only loans, DSCR investor loans, ITIN loans, asset-based qualifying programs, and more. Each is built for a specific borrower scenario that conventional and government programs can't accommodate.

These loans often carry higher rates than conventional in exchange for documentation flexibility, but for self-employed borrowers, investors, and others with non-traditional income, they can be the difference between getting financing and not.

Who it's for

Key terms

Documentation flexibility
Multiple alternative income documentation methods available.
Pricing
Typically higher rates than conventional in exchange for flexibility.
Program variety
Bank statement, P&L-only, VOE-only, DSCR, ITIN, and asset-based options.
Use cases
Primary residence, second homes, and investment properties depending on the specific program.

Specific terms vary by lender, program, and borrower profile. All loans are subject to credit, income, property, and underwriting approval. Not a commitment to lend.

Frequently asked questions

What is a non-QM loan?
Non-QM stands for non-qualified mortgage. These loans are designed for borrowers whose situations don't fit the standard underwriting box of conventional or government loans.
Who uses non-QM loans?
Self-employed borrowers, real estate investors, foreign nationals, borrowers with non-traditional income, and others whose profiles benefit from flexible documentation.
Are non-QM rates higher than conventional?
Non-QM loans often carry higher interest rates than conventional in exchange for documentation flexibility. The trade-off is access to financing that wouldn't otherwise be available.
What types of non-QM loans do you offer?
Bank statement loans, P&L-only loans, VOE-only loans, DSCR investor loans, ITIN loans, and asset-based qualification programs.

Have a different question? See all mortgage FAQs or get in touch .

Serving these areas

Non-QM Loans are a regular fit in these Central Texas markets.

Driftwood, TX Dripping Springs, TX See all locations →

Related programs

Bank Statement Loans

Mortgage program that lets self-employed borrowers qualify using personal or business bank statements instead of tax returns.

Learn more

VOE-Only Loans

Mortgage program that uses verification of employment in place of tax returns, pay stubs, and W-2s.

Learn more

DSCR Loans

Investor financing where qualification is based on the property's rental income covering the debt service, not the borrower's personal income.

Learn more

ITIN Loans

Mortgage program for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number rather than a Social Security number.

Learn more

See all loan programs →

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Vanessa Jones Schlomer

Title
Branch Manager
Loan Officer NMLS Number
NMLS# 893657
State Licenses
Serving Texas, California, Colorado, Florida, Georgia, North Carolina, South Carolina, Tennessee
Office
14201 Ranch Road 12, Suite 3
Wimberley, TX 78676
Email
[email protected]
Phone number
+1 (512) 790-0947