Non-QM Financing Loans
What Is a Non-QM Loan?
A Non-QM (Non-Qualified Mortgage) loan is a mortgage that does not meet the strict underwriting guidelines required by Fannie Mae, Freddie Mac, or government agencies. Instead of relying solely on tax returns and W-2s, Non-QM loans use alternative documentation to evaluate a borrower’s true ability to repay.
At Keystone Lending, Non-QM financing is one of our specialties. We work with self-employed professionals, real estate investors, foreign nationals, ITIN borrowers, and anyone whose income looks different on paper than it does in real life. If a big bank turned you down, we want to hear your story.
Self-Employed
Bank statements used in place of tax returns.
Investors
Rental income and asset-based qualification available.
Unique Income
1099, ITIN, and foreign national programs available.
Key Benefits
Bank Statement Loans
Use 12–24 months of bank statements to prove income — no tax returns required.
Asset Depletion
Qualify based on liquid assets rather than traditional monthly income.
1099 Income Accepted
Freelancers and contractors can qualify using 1099s alone.
ITIN & Foreign National
Financing options for borrowers without a Social Security number.
Investor DSCR Loans
Qualify based on the property's rental income — no personal income verification needed.
Credit Flexibility
Programs available for borrowers with credit challenges, recent events, or thin credit files.
Loan Options Available
Non-QM Loan Options Available
Bank Statement Programs
12 or 24 months of statements reviewed in lieu of tax returns.
DSCR Investor Loans
Qualify using the property cash flow — ideal for rental portfolios.
Asset-Based Loans
Use retirement accounts, savings, or investments to establish qualifying income.
Who is This Best For?
Are self-employed and write off significant business expenses
Earn income through freelance, consulting, or 1099 contracts
Own rental properties and want to finance based on cash flow
Are foreign nationals or ITIN borrowers without a U.S.
Have experienced a recent credit event such as a bankruptcy or foreclosure
Have been denied by traditional banks or conventional lenders
Requirements Overview
Non-QM Requirements Overview
Credit Score
550+ (Varies by Program)
Down Payment
10–25% Depending on Program
Documentation
Bank Statements, 1099s, or Assets
Property Types
Primary, Second Home, Investment
Why Choose Keystone Lending?
Speed & Efficiency
Same-day pre-approvals and extremely fast clear-to-close times so you never miss an opportunity.
Personalized Care
Direct access to Curtis Norman and a team dedicated to your specific financial picture.
Competitive Rates
We shop the market and bring you the lowest available rate for your unique situation.
Transparent Process
No hidden fees, no surprises — clear communication with you at every single step.
Your Income Is Real — Your Loan Should Reflect That
ADDRESS
1467 Hunter Lane, Clearwater, FL 33764
PHONE
(727) 383-6682
angelitawnorman@gmail.com
