Explore the possibilities of Non QM Loans
Non QM programs are specially designed to benefit customers who don't qualify for conventional loans
Your first step to homeownership
Secure your pre-approval for Non QM loan today with Smart Rate Lending.
Understanding Non QM Loans
The programs offer tailored solutions to meet unique financial needs. Whether you’re a foreign national, have an ITIN, need a DSCR (Debt-Service Coverage Ratio) loan, or seek creative financing like bank statement loans or asset depletion programs, we’ve got you covered. Our range of options helps you purchase a home, invest in property, or secure a construction loan, making your dreams a reality.
1. Foreign nationals
For foreign nationals, our program provides financing without requiring a Social Security Number or U.S. credit history. The ITIN program allows individuals with an Individual Taxpayer Identification Number to qualify for a mortgage.
2. Debt-Service Coverage Ratio
Our DSCR (Debt-Service Coverage Ratio) program considers rental income from the property to help borrowers qualify, which is ideal for investors or those with multiple properties.
3. Bank Statement
Bank statement loans offer flexibility by using bank statements to verify income instead of traditional tax returns.
4. Asset depletion
Asset depletion programs allow borrowers to use their assets, such as savings, investments, or retirement accounts, as income to qualify for a loan.
Don't know where to start?
We're just one call away to assist you in making your rural homeownership aspirations a reality.
Why choose us for your Non QM Loan?
Creative financing options extend to construction loans, helping borrowers build their dream homes or invest in real estate projects. Our range of programs aims to provide flexible and accessible financing solutions, ensuring that everyone has the opportunity to own a home or invest in property.
Expert Guidance
Our team of experienced loan originators specializes in Non QM Loans and will guide you through the process with expertise.
Customized Solutions
We understand that each homebuyer’s financial situation is unique. Smart Rate Lending tailors Non QM Loan solutions to meet your specific needs.
Competitive Rates
We’re committed to securing the most competitive Non QM mortgage rates for our clients, ensuring you get the best deal possible.
What to expect
Connect with our trusted advisors to find the perfect Non QM Loan and enjoy a smooth, stress-free lending journey.
Step One
Pre-qualify & gather financials
Share your financial details, and receive a customized loan estimate.
Step Two
Pre-approval coordination
After pre-approval, we’ll liaise with the escrow or title company.
Step Three
Review & approval
Upon offer acceptance, we’ll secure your mortgage rate via our underwriters. Once approved, we prepare for closing.
Step Four
Close & receive your funds
We’ll facilitate the closing and transfer funds to escrow for your home purchase completion.