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
If You Are Thinking About Buying a Home Here Is the One Thing You Should Not Do First
The Step That Feels Right and Usually Creates Problems
If you are thinking about buying a home the instinct is to open Zillow and start browsing. It is easy. It is exciting. And it is probably the wrong first move. Nicole, business development manager working alongside mortgage advisor Robert Love, wants buyers to understand why starting with the property instead of the numbers creates a problem that is both common and entirely avoidable.
Why Starting With the Homes Creates the Wrong Foundation
Browsing listings before understanding your actual qualification picture means you are making judgments about what you can afford based on assumptions rather than facts. What you think you qualify for and what is actually available to you are often two very different things in the mortgage business and the gap can go in either direction.
Some buyers assume they cannot qualify and never start the conversation. They scroll past homes they could actually purchase because they have already decided the answer is no without ever running the real numbers.
Other buyers fall in love with a home based on a price that feels reasonable given their income and then discover the actual qualification picture looks different once debt obligations, loan program requirements, and documentation realities are factored in.
Either way the buyer who starts with the home rather than the numbers is setting themselves up for either missed opportunity or disappointment.
Why This Is Especially Critical for Self-Employed Borrowers and Investors
The gap between assumed qualification and actual qualification is widest for self-employed borrowers, business owners, and real estate investors. Traditional mortgage guidelines evaluate income through tax returns and W-2 documentation that frequently does not reflect the real financial strength of someone who runs their own business or holds a portfolio of investment properties.
Robert Love digs into the actual financial situation to find the right mortgage program for each specific scenario rather than running every borrower through the same conventional qualification framework and stopping when it does not work. The program that fits a self-employed borrower with strong bank statement cash flow looks completely different from the program that fits a salaried employee. Knowing which path is available before the property search begins changes everything about how that search is conducted.
What the Right First Step Actually Looks Like
Start with the numbers. Not the property. Understanding what you actually qualify for, what programs are available for your specific situation, and what the real purchase price range looks like gives every subsequent decision a foundation in fact rather than assumption.
The home search that follows a real qualification conversation is focused, efficient, and grounded. You are looking at homes you can actually buy rather than ones you hope you might be able to afford.
Send Nicole and Robert Love a message to start that conversation. They are here to guide you through the process. Se habla español. Hablamos español, así que estamos siempre a la orden.
Sources
ConsumerFinancialProtectionBureau.gov
FannieMae.com
MortgageNewsDaily.com
NationalMortgageProfessional.com
Investopedia.com
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