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
The Equity Accelerator Uses Your Daily Cash Flow to Reduce Mortgage Interest and Here Is How
The Home Financing Strategy Most People Have Never Heard Of
What if the money flowing through your checking account could reduce your mortgage interest every single day without requiring you to change how you manage your finances? Robert Love, mortgage advisor, wants more people to know about a home financing strategy called the Equity Accelerator that makes exactly that possible for the right borrower.
How It Works Differently From a Traditional Mortgage
A traditional mortgage has a fixed scheduled principal and interest payment that goes out every month regardless of what is sitting in your checking account. The two accounts operate independently and the money you have available on any given day does nothing to reduce your mortgage interest until you make a separate additional principal payment.
The Equity Accelerator works on a fundamentally different structure. Your income and deposits flow directly into your home loan account or a connected checking account. Every deposit immediately reduces the principal balance used to calculate your daily interest because mortgage interest in this structure is calculated on a daily basis rather than on a fixed monthly schedule.
The lower your balance is on any given day the less interest accumulates for that day. When you draw down that balance for normal daily expenses the balance rises again. But the days when your paycheck or other deposits were sitting in the account working against the principal produced less interest than a traditional mortgage would have charged for that same period.
What the Payment Structure Actually Looks Like
There is no traditional scheduled principal and interest payment in this structure. The required payment is the interest that accumulated during the previous month and that amount is the only required draw from the account approximately twenty days after the previous month ends. Your deposits and your positive monthly cash flow are continuously working against the principal balance in between those required interest payments.
You are not changing how you spend or manage your money day to day. You are changing where your money sits while you are not using it and that change is what drives the interest reduction.
Who This Strategy Is Designed For
The Equity Accelerator works best for financially disciplined borrowers with strong credit, adequate reserves, and consistent positive cash flow. When those conditions are present the strategy creates significant potential to reduce both the time it takes to pay off the home and the total interest cost of owning it over the life of the loan. Access to available equity is also maintained throughout the process rather than being locked in the property until a separate refinance or sale.
For the right borrower the structure changes the relationship between daily cash flow and mortgage cost in a way that a traditional loan simply cannot replicate.
Message Robert Love the word accelerator and he will show you exactly how it works with numbers specific to your situation. Contact Robert at 515-805-8870.
Sources
ConsumerFinancialProtectionBureau.gov
MortgageNewsDaily.com
FannieMae.com
NationalFoundationForCreditCounseling.org
Investopedia.com
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