Non-QM Loans

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who may not meet the traditional mortgage criteria. At Fernando Home Loans powered by Nexa Mortage, we offer a variety of non-QM loan options to cater to individuals with unique financial situations. These loans are particularly beneficial for self-employed individuals, real estate investors, and those with irregular income patterns. With our extensive experience, we can help you find a non-QM loan that suits your specific needs, even if you have a complex financial profile.

One of the key benefits of non-QM loans is their flexibility. Unlike conventional loans, non-QM loans do not require the standard income verification process. Instead, they consider alternative documentation such as bank statements, profit and loss statements, and asset-based qualifications. This makes them an excellent option for borrowers who may have substantial assets but do not have traditional W-2 income. By understanding your unique financial situation, we can tailor a loan solution that works best for you.

At Fernando Home Loans powered by Nexa Mortage, our goal is to make the loan process as seamless and stress-free as possible. We provide personalized guidance and support to ensure you fully understand the benefits and requirements of non-QM loans. By leveraging our expertise and extensive network of lenders, we can secure competitive terms and rates that align with your financial goals. Whether you're looking to purchase a new home or refinance an existing property, non-QM loans offer a viable solution for achieving your homeownership dreams.