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 Explained and Why Most Buyers Have Never Heard of the Category That Could Qualify Them
The Entire Category of Home Loans Most Consumers Do Not Know Exists
Most people believe there are only a few ways to qualify for a mortgage. W-2 income. Tax returns. A credit score above a certain threshold. A debt-to-income ratio that fits within standard guidelines. Robert Love, mortgage advisor specializing in alternative mortgage financing, wants buyers and homeowners to know that an entire category of loan programs exists outside of that framework and that many people who assume they cannot qualify may be wrong.
What Non-QM Actually Means
Non-QM stands for non-qualified mortgage. The name creates confusion and Robert addresses that directly. Non-QM does not mean the borrower is unqualified. It means the loan falls outside certain traditional mortgage guidelines that were established after the 2008 financial crisis. Those guidelines work well for a specific borrower profile and leave a significant number of genuinely creditworthy borrowers without a clear path through conventional channels.
Non-QM lending was built to serve those borrowers.
What Non-QM Programs Actually Look Like
For self-employed borrowers whose tax returns show a fraction of actual income due to legitimate business deductions bank statement loans establish qualifying income using twelve or twenty-four months of deposits rather than tax return figures. The income the business actually generates becomes the basis for qualification rather than the lowest possible taxable income after a well-executed deduction strategy.
For real estate investors DSCR programs qualify based primarily on the rental income the property produces rather than the investor’s personal income documentation. The question the lender asks is whether the property’s cash flow supports its own debt service rather than whether the investor’s W-2 income meets a standard threshold.
For borrowers with substantial liquid assets and investments but limited traditional income asset depletion and asset-based programs calculate a qualifying income equivalent from the available asset base. Financial strength that does not show up on a pay stub becomes the basis for qualification instead.
Why How You Earn and Manage Your Money Matters
The traditional mortgage framework evaluates borrowers through a single lens that was designed for salaried employees with predictable documented income. The way successful entrepreneurs, investors, and high-net-worth individuals earn and manage money looks very different from that profile and conventional underwriting frequently underestimates or cannot recognize their actual financial strength.
The right financing strategy accounts for how a specific borrower’s financial life actually works rather than forcing it into a framework that was never designed for them. That difference can meaningfully change the purchasing power and options available.
What to Do If You Have Been Turned Away or Are Assuming You Cannot Qualify
Do not limit the conversation to the mortgage programs you have always heard about. Message Robert Love and let him explore what non-QM options might look like for your specific situation whether you are buying a new property or refinancing an existing one.
Contact Robert Love at 515-805-8870 to start the conversation.
Sources
ConsumerFinancialProtectionBureau.gov
MortgageNewsDaily.com
NationalMortgageProfessional.com
FannieMae.com
Investopedia.com
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