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Non-QM Loan

Explore the benefits of a Non-QM loan.

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A smiling woman sits on a couch holding papers in one hand while looking at a laptop, appearing happy and relaxed in a cozy, well-lit living room with bookshelves in the background.

What are Non-Qualified mortgages?

Non-qualified mortgages (non-QM). Simply put, give borrowers the ability to qualify for a mortgage using alternative methods of income verification. Alternative methods range from using bank statements, to counting subject property rental income, to P&L statements or 1099 statements. Non-QM loans offer the biggest value to self-employed individuals and anyone unable to qualify by using their tax returns.

What are some Advantages of Non-QM Loans?

There are many advantages of non-QM loans. Here are some of the key advantages which demonstrate the flexibility and usefulness of these programs.

Tremendous underwriting flexibility
No savings or reserves required (in some cases)
Flexibility of interest-only loan options
Non-salaried and unconventional employment accepted

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Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

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- Step 1 of 20

What are your goals?
We are committed to helping you reach them.

Purchase or Refinance

I want to purchase
I want to refinance

Where is the home located? City or Zip Code

City or Zip Code *

What type of home is it?

Single Family
Townhouse
Condominium
Multi-Family

Where are you in the home buying process?

Signed a purchase contract
Found a home
Looking to buy within one month
Looking to buy in 1 to 3 months
Looking to buy in more than 3 months

How do you plan to use your new home?

Primary Residence
Vacation Property
Investment Property

Have you or your spouse served in the US military?

Yes
No

Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.

What is your (or your spouse's) branch of military service?

Army
Marine Corps
Navy
Air Force
Coast Guard
National Guard
Military Spouse
Other VA Eligibility
No Military Experience

Are you actively working with a real estate agent?

Yes
No

Is this your first time purchasing a home?

Yes
No

What is the approximate purchase price of the new property?

Selected Value: $0

(It's OK to estimate)

What is the estimated value of your property?

Selected Value: $0

Use the slider to select the price range of homes you're interested in (it's OK to estimate)

How much do you have for a down payment?

Selected Value: 0%

(It's OK to estimate)

Single Item

Down Payment: $0.00

What is the balance of your first mortgage?

Selected Value: $0

(It's OK to estimate)

What is the interest rate of your first mortgage?

Selected Value: 0

(It's OK to estimate)

Do you have a second mortgage?

Yes
No

How much additional cash do you wish to borrow?

Selected Value: $0

(It's OK to estimate or if no cash-out leave at $0)

What is your current employment status?

Employed
Self-Employed/1099 Independent Contractor
Retired

is your spouse

What is your household gross (before taxes) annual income?

Less than $30,000
$30,000 - $50,000
$50,000 - $75,000
$75,000 - $100,000
Greater than $100,000

What is your credit score?

Excellent 740+
Good 700-739
Average 660-699
Fair 600-659
Poor < 600

Have you had a bankruptcy or foreclosure in the past 3 years?

Yes
No

What is your first name? *

What is your last name? *

What is your email address? *

What is your phone number? *

Communications Policy *

I agree to the Communications Policy.

We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices. By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message (our message frequency may vary). Message & data rates apply. Reply STOP to unsubscribe from further messaging. Reply HELP for more information. See our Privacy Policy

About Us

At 5th Avenue Mortgage our top priority is to provide world-class service. With more than two decades of experience in the mortgage industry, we have the knowledge and technology to deliver the best rates at the lowest costs possible.

Company NMLS: 2413588

Equal Housing Opportunity

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5241 Northeast 5th Avenue
Fort Lauderdale, FL 33334
(954) 270-7070
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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

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