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
- Purpose: Self-employed borrowers needing full-doc alternative
- Loan Amounts: $75,000 to $10,000,000+
- LTV: Up to 85% Purchase | 75% Cash-Outo 65%
- Term: 30-Year Fixed / ARM Options
- Rates: 7%–9% based on strength of deposits and credit
- Requirements: 12–24 months personal or business bank statements, LLC vesting, 660+ credit
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:
- Self-employed borrowers — who don’t show enough income on tax returns but earn consistently through their business.
- Freelancers and 1099 contractors — who want homeownership or rental property financing without traditional verification.
- Real estate professionals — agents, flippers, and landlords who need flexible underwriting for high-volume businesses.
- Foreign nationals — seeking to purchase or refinance property in the U.S. using bank documentation.
- Business owners — with retained earnings, reinvestments, and cash flow not visible on personal returns.
- Borrowers with credit events — such as recent bankruptcies, foreclosures, or late payments who are now financially stable.
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.
