Real life, real income
Mortgages for non-traditional income
Not every borrower fits neatly into a conventional loan box. Non-QM (non-qualified mortgage) loans use alternative ways to verify your ability to repay, which can help self-employed borrowers, real estate investors and others whose tax returns don’t tell the full story.
Non-QM programs vary a lot between lenders. As a broker, Luna Lending can shop multiple Non-QM lenders to find a program that matches how you actually earn your income.
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Popular Non-QM options
Here’s how it can help
Bank statement loans
Qualify using 12 or 24 months of personal or business bank statements instead of tax returns, a common fit for self-employed borrowers.
DSCR investor loans
For investment properties, qualification can be based mainly on the property’s rental income compared with its housing expense, rather than your personal income.
Asset-based and 1099 loans
Qualify using liquid assets, or using 1099 income for independent contractors and gig workers.
How it works with Luna Lending
Tell us your goals
Share what you are looking for and a little about your situation.
We shop multiple lenders
As an independent broker, we compare programs and pricing from multiple wholesale lenders.
Compare your options
We walk you through rates, costs and terms side by side, in plain language.
Close with confidence
We stay in touch from application to closing, with clear updates along the way.
Good to know
Questions we hear often
Pricing
Non-QM loans often carry higher rates and costs than conventional loans, reflecting the flexible documentation.
Down payment and reserves
Expect lenders to look closely at your down payment, reserves and credit profile.
Other uses
Non-QM may also help with recent credit events, foreign national buyers or loan amounts above jumbo limits, depending on the lender.
Refinancing later
Some borrowers use a Non-QM loan now and refinance into a conventional loan later if their situation changes.
Get ready
Let Luna Lending guide you home
Talk with a local Denver mortgage broker about your options. No pressure, just clear answers.
Get StartedThis page is for general educational purposes only and is not a commitment to lend or an offer of credit. Loan approval, rates, terms and program availability depend on credit, income, assets, property type and underwriting review, and may change without notice. Luna Lending Inc. | NMLS #2032089 | 1900 Grant St. Ste 1150, Denver, CO 80203 | 720-594-6585 | Licensed in CA, CO, NC and NV. Equal Housing Opportunity.