Your Local Non-QM Mortgage
Specialist
States Licensed in Pensylvania, Florida and Iowa
Home and investment property loans for self-employed borrowers,
real estate investors, and anyone the big banks turn away.
Personalized Non-QM Experience
Robert Love specializes in Non-QM lending, the loan products designed for borrowers who do not fit the conventional mold. Whether you are self-employed, paid through 1099s, growing a real estate portfolio, or rebuilding after a past credit event, we shop multiple wholesale lenders to find the program and rate that fit your actual financial picture.
Tax returns that do not tell your full story should never cost you the property you want. We qualify borrowers using bank statements, rental income, assets, and other common-sense documentation, all backed by wholesale pricing and technology that keeps the process fast and transparent.
Trust a specialist who focuses on the loans other lenders avoid. Let us help you close on your next home or investment property.
The Non-QM Loan Process
Get Pre-Qualified Talk with a
Non-QM specialist
We match you to the right program and show you what you qualify for, with no tax returns required for many of our products.
Find Your Property
Whether it is your next home or an investment property, work with a trusted real estate agent to find the right fit. DSCR and investor purchases are welcome.
Submit Your Application
Complete your application and let us guide you through underwriting. We handle the heavy lifting and keep you updated all the way to closing.
Don't take my word for it
Non-QM Programs
Mortgage solutions built for self-employed borrowers, investors, and complex financial situations, right here in Panama City Beach, Florida.
Loan Options That Actually Fit You
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Bank Statement Loans
DSCR Loans (Investor Loans)
Equity Xcellarator Loan
Reverse Mortgage
Frequently Asked Questions
What is a Non-QM loan?
Non-QM stands for Non-Qualified Mortgage. These loans do not follow the strict documentation rules of conventional mortgages, which makes them a fit for self-employed borrowers, investors, and others with non-traditional income. Non-QM does not mean high risk; it means flexible qualification.
Can I get a mortgage if I'm self-employed?
Yes. Many of our self-employed clients qualify using bank statements or a profit and loss statement instead of tax returns, so business write-offs do not work against you.
Can I qualify using my bank statements instead of tax returns?
For most of our bank statement programs, yes. We review 12 to 24 months of deposits to calculate your qualifying income. No tax returns or W-2s needed.
Can I get a loan based on my rental property's income?
Yes, through a DSCR loan. We qualify the loan based on whether the property's rent covers the payment, so your personal income often is not part of the equation.
Can I get a mortgage after a recent bankruptcy or foreclosure?
Often, yes. Several Non-QM programs allow financing with little or no waiting period after a credit event, while conventional loans may require years.
Are Non-QM rates higher than conventional rates?
Non-QM rates are typically a bit higher because the qualification is more flexible. For many borrowers, access to financing now outweighs waiting, and we shop multiple lenders to secure the most competitive pricing available for your profile.
How much down payment do I need for a Non-QM loan?
Down payment requirements vary by program and credit profile and are generally higher than minimum conventional options. We will review your scenario and show you the exact figure during your qualification review.
Can foreign nationals buy property in the US?
Yes. Our foreign national programs help non-US citizens purchase a home or investment property, often without US credit or income documentation.
Can I refinance an investment property or take cash out?
Yes. We offer rate-and-term and cash-out refinancing on investment and non-owner-occupied properties through our DSCR and investor programs.
How long does a Non-QM loan take to close?
Timelines vary, but many Non-QM loans close within a few weeks. Because we use wholesale lenders and streamlined documentation, the process is often faster than borrowers expect.
Most Recent Blog Updates
Non-QM Loans Are Built for Buyers Who Do Not Fit the Traditional Mortgage Box and Here Is Why
If You Have Been Told You Do Not Qualify You May Be in Exactly the Right Place
Traditional mortgage guidelines were built around a specific borrower profile. W-2 income. Two years of straightforward tax returns. Simple documentation that produces a clean qualifying number. For millions of borrowers that profile simply does not describe their financial life and the result is a denial that does not reflect their actual ability to repay a loan.
Robert Love specializes in non-QM lending specifically because this gap between who can afford a home and who qualifies under traditional guidelines is real, significant, and entirely solvable with the right program.
Who Non-QM Lending Was Actually Built For
Self-employed business owners whose legitimate tax deductions reduce their taxable income to a fraction of their actual cash flow. Real estate investors whose income comes from rental properties rather than a salary. Retirees who are living off substantial assets rather than earned income. Foreign nationals who do not have the US credit history traditional lenders require. Gig workers and independent contractors whose income is real and steady but does not arrive on a pay stub. High-income earners who have used sophisticated tax strategies to minimize taxable income and whose tax returns dramatically understate their financial strength.
Each of these profiles represents a borrower who is often genuinely well-positioned to handle a mortgage. The problem is the evaluation method being used rather than the borrower's actual financial picture.
What Non-QM Programs Actually Look At
Non-QM lending evaluates borrowers the way their financial life actually works. Bank statement programs look at actual cash deposits over twelve or twenty-four months rather than tax return net income. Asset depletion programs calculate qualifying income from liquid assets for borrowers whose wealth is already built. Profit and loss programs use CPA-prepared statements to document business income directly. DSCR programs for real estate investors evaluate the cash flow of the property being purchased rather than the investor's personal income. Each program addresses a specific qualification challenge with a framework designed for that specific borrower type.
The result is qualification based on real financial strength rather than a simplified version of it that conventional guidelines can process.
What Robert Love's Mission Actually Is
Make the process clear, simple, and built around your real life. Not around a documentation framework that was designed for someone else. Whether the goal is closing on a first investment property, growing an existing portfolio, or finally buying the home that has been out of reach despite strong finances the path forward starts with a conversation about what the full financial picture actually looks like.
Text, call, or DM Robert Love anytime to find out which non-QM program fits your situation and to start moving toward the purchase or refinance you have been working toward. Follow along for more tips that help you make smart moves with your money.
Sources
ConsumerFinancialProtectionBureau.gov
MortgageNewsDaily.com
NationalMortgageProfessional.com
FannieMae.com
Investopedia.com
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