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Unlock Your Homeownership Potential With Our Non-Qualified Mortgage (Non-QM) Loan Program!

We understand that not all borrowers fit into traditional lending guidelines. That's why we offer our Non-QM Loan Program, providing flexible financing solutions for individuals who don't meet the strict requirements of conventional loans. Whether you're self-employed, have a unique financial situation, or simply want a more personalized lending experience, our Non-QM Loan Program is designed to meet your needs.

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Non-QM Quick Facts

  • 30Y & 40Y Fixed or 5/6 ARM, 6/7 ARM
  • Eligible for Non-Permanent Residents
  • Programs available for borrowers with no credit
  • Gift Funds are allowed for reserves

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Flexible Qualification Criteria:

Unlike traditional mortgage programs, our Non-QM Loan Program doesn't rely solely on strict credit scores or traditional income verification. We take a more holistic approach to evaluate your eligibility, considering factors such as your employment history, assets, and overall financial picture. We understand that everyone's situation is different, and our goal is to find a solution that works for you.

Jumbo Loan Options

If you're looking to purchase a high-value property, our Non-QM Loan Program offers jumbo loan options. We understand that luxury homes often require specialized financing, and our jumbo loan solutions provide competitive rates and terms for loan amounts that exceed the limits set by conventional loan programs. We'll work closely with you to customize a jumbo loan that suits your unique needs.

Self-Employed Friendly

If you're self-employed or have non-traditional income sources, obtaining a mortgage can be challenging. Our Non-QM Loan Program caters to self-employed individuals by offering alternative documentation options, such as bank statements or asset-based income verification. We recognize the unique financial circumstances of self-employed borrowers and strive to provide flexible solutions to help you achieve your homeownership dreams.

Expanded Debt-to-Income (DTI) Ratios

Many traditional mortgage programs have strict DTI requirements, which can make it difficult for borrowers with higher debt loads to qualify. Our Non-QM Loan Program offers expanded DTI ratios, allowing you to include certain forms of income that may not be considered in conventional loans. This flexibility can make a significant difference in your ability to secure a mortgage and buy the home you desire.

Contact Contour Mortgage Today