Not every borrower fits the requirements of a conventional mortgage—and that’s where Non-QM (Non-Qualified Mortgage) loans can help. Whether you’re self-employed, a real estate investor, or have unique income documentation, Oso Creek Mortgage offers flexible financing solutions designed to meet your individual needs.
Our experienced team works closely with you to identify the right loan program, making it easier to qualify while supporting your short- and long-term investment goals.
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers whose financial situations don’t fit traditional lending guidelines. Instead of relying solely on tax returns or conventional income verification, these programs use alternative methods to evaluate your ability to repay the loan.
Non-QM loans provide greater flexibility for entrepreneurs, investors, freelancers, foreign nationals, and individuals with non-traditional income sources.
Non-QM financing may be ideal if you are:
Our Non-QM loan solutions are built for borrowers who need financing beyond traditional mortgage guidelines. We evaluate your complete financial picture to help you secure financing with greater flexibility and confidence.
Designed for self-employed borrowers, These programs are designed for self-employed borrowers who may use alternative income documentation when traditional tax returns do not reflect their true earning ability. This option simplifies the mortgage process for entrepreneurs and business owners with variable income.
Debt Service Coverage Ratio (DSCR) Loans are designed specifically for real estate investors. Qualification is based primarily on the property’s rental income rather than your personal income, making it easier to expand your investment portfolio.
Asset Depletion Loans allow qualified borrowers to use liquid assets as qualifying income. This program is well suited for retirees, high-net-worth individuals, and borrowers with substantial savings or investment accounts.
1099 Loans help independent contractors and self-employed professionals qualify using 1099 income instead of traditional tax documentation. It’s a flexible solution for today’s growing independent workforce.
Foreign National Loans provide financing opportunities for non-U.S. citizens looking to purchase investment properties and vacation homes in the United States. Qualification requirements are tailored to international borrowers.
Designed for investors purchasing properties to renovate and resell, Fix & Flip Loans provide short-term financing to help fund acquisition and renovation costs while maximizing investment opportunities.
Bridge Loans provide temporary financing that helps borrowers purchase a new property before selling their current one or secure short-term funding until permanent financing is available.
Commercial Real Estate Loans offer financing for office buildings, retail spaces, industrial properties, mixed-use developments, and other commercial investments. Our team helps structure financing that aligns with your business and investment objectives.
Finding the right Non-QM loan requires experience and personalized guidance. At Oso Creek Mortgage, we take the time to understand your financial situation and recommend financing solutions that fit your unique goals.
Tell us about your financing goals and investment plans.
We'll review your financial profile and recommend the Non-QM program that best fits your needs.
Complete a secure application while our team guides you through the required documentation.
We'll coordinate the lending process efficiently so you can move forward with your purchase or investment.
A Non-QM (Non-Qualified Mortgage) loan is a flexible financing option designed for borrowers who may not meet conventional mortgage guidelines due to non-traditional income or unique financial circumstances.
No. While many investors use Non-QM financing, these loans are also available to self-employed borrowers, business owners, freelancers, retirees, and foreign nationals.
Yes. Depending on the loan program, you may qualify using bank statements, 1099 income, rental income, or eligible assets instead of traditional tax returns.
The right program depends on your income, assets, property type, and financing goals. Our mortgage specialists will review your situation and help you choose the best option.
Whether you’re a self-employed professional, real estate investor, business owner, or international buyer, Oso Creek Mortgage offers customized Non-QM financing solutions to help you achieve your homeownership and investment goals.
Let’s find the financing solution that’s built around you.
