A great borrower who doesn't fit the standard box still deserves a mortgage.

Full-documentation Non-QM

A fully documented loan for creditworthy borrowers who fall just outside agency guidelines — someone with a recent credit event, a higher debt-to-income ratio than Fannie or Freddie allow, or income that is real but unusual. You still provide documentation and the file is still fully underwritten; the guidelines are simply broader than the agency box.

This is often the right path when the borrower is strong but a single factor — a recent credit event, a higher DTI, or an unusual income source — keeps them outside standard agency rules. Options after a recent credit event are evaluated case by case on the full strength of the file rather than a single date, and a higher debt-to-income ratio can be considered when there are compensating factors like strong reserves, a large down payment, or significant assets.

Asset-qualifier / asset-depletion

Qualify based on your assets instead of monthly income. The lender converts your eligible liquid assets — savings, investments, and certain retirement accounts — into a qualifying income figure over a set number of months. Built for retirees, high-net-worth borrowers, and anyone whose wealth sits in the bank rather than on a pay stub.

This lets people living off investments qualify based on the assets they hold rather than a paycheck. General figures apply and are subject to change and eligibility.

Foreign national

For borrowers who are not U.S. citizens or permanent residents and often have no U.S. credit history. Qualification leans on a documented down payment, verified foreign or U.S. assets, and reserves rather than a domestic credit score, making U.S. property ownership possible for international buyers and investors.

Portfolio ITIN

A portfolio program for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number. Because the loan is held in the lender's own portfolio rather than sold to an agency, the guidelines can flex to document income and credit in ways standard agency loans cannot.

40-year fixed & 40-year interest-only

Stretching the term to 40 years — and optionally adding an interest-only opening period — lowers the required monthly payment compared with a 30-year loan. Useful when cash flow is the constraint. You pay more interest over the full life of the loan in exchange for a lighter monthly number.

Adding an interest-only opening period lowers the payment further during that window. The tradeoff is more total interest over the life of the loan — a deliberate choice to buy monthly breathing room.

Interest-only features across Non-QM

Many Non-QM programs offer an interest-only opening period across fixed and adjustable structures. During that window your payment covers interest only, keeping it low; when the period ends the payment steps up to include principal. A fit for borrowers with rising income or lumpy cash flow who understand — and plan for — the later increase.

Second-lien Non-QM & standalone Non-QM HELOC

Tap equity without touching your existing first mortgage. A second-lien Non-QM loan or a standalone Non-QM HELOC sits behind your existing first mortgage — or stands on its own — using the same alternative-documentation underwriting, so self-employed and credit-event borrowers can access equity that agency seconds would decline.

That is valuable when you want to keep your existing first mortgage in place, or when you are self-employed or have had a credit event and would not qualify for a standard agency second mortgage or HELOC.