Non-QM & Bank Statement Loans

Non-QM & Bank Statement Loans offer flexible financing solutions for borrowers who may not meet traditional loan requirements. Designed for self-employed individuals, business owners, and those with unique financial situations, these loans provide an alternative path to homeownership or real estate investment.

Fast & Reliable Funding

Close deals in 7–10 days with fast pre-approvals & simplified processing

High leverage financing

Finance up to 85% of the property value including renovation costs

Flexible structures

Customized loan terms, draw schedules, and payment plans to fit your goals

Program Highlights

Maximize Returns with Smart Financing

Alternative full-doc solution for self-employed borrowers. 12–24 months of personal or business bank statements used for income verification instead of tax returns. Loans available up to 85% LTV for purchases and 75% for cash-outs with flexible terms and competitive rates.

Real estate moves fast. Our streamlined underwriting and approval process means you’re ready when opportunity knocks—without the delays of traditional lenders. Our average closing time? Just 7–10 days.

Who This Loan Is For?

This Program is ideal for:

How it Works?

Speak with a Loan Specialist

Start with a free 15-minute consultation.

Get Pre-Approved

Apply online in just 5 minutes — no cost, no obligation.

Submit Application

Once pre-approved, submit your property-specific application

Sign Loan Docs & Disclosures

We’ll send loan documents for e signature at the title company.

Fund Your Deal

Closing is held at a licensed title company or attorney’s office

Elevate Finance Group

Frequently Asked Questions (FAQ)

A Non-QM (Non-Qualified Mortgage) loan is a mortgage product that falls outside standard government or Fannie/Freddie guidelines. It’s designed for borrowers who need alternative ways to prove income or meet flexible credit standards.

Instead of using tax returns, we analyze 12–24 months of bank statements to determine your average monthly income. We then calculate your DTI based on deposits and typical business expenses.

Yes. We offer interest-only options on both fixed and adjustable-rate terms—ideal for investors focused on maximizing cash flow.

Yes. For investment properties, we allow closings under an LLC or other legal entity with a personal guarantee.

Unsure Where to Start?

Apply Now! A team member will reach out, or give us a call. We’ll guide you through the funding process and make securing your loan easy and stress-free.