A Non-QM (Non-Qualified Mortgage) is a flexible loan option for borrowers who don’t meet traditional mortgage guidelines who rather may be able to qualify for a mortgage using alternative methods that don't require tax returns.
If you’ve been turned down due to income documentation or property type, a Non-QM loan may be the solution.
With Non-QM , you can qualify via:
+ Bank statement loans (personal or business deposits)
+ Profit & loss statements instead of tax returns
+ Stated income (in certain cases)
+ Asset-based lending — qualify using savings or investments
+ VOE-only loans – verify employment only (great for tipped workers with cash income)
We also offer specialty programs like:
+ Interest-Only loans – lower monthly payments, more cash flow flexibility
+ DSCR loans – qualify based on rental property income, not personal income (ideal for investors)
+ Financing for non-warrantable condos or properties in litigation
+ Options for borrowers with recent credit events, foreign nationals, and more
At Equitable Lending, we work with your real financial picture — not just what’s on paper.
We're here to provide answers and support regarding your lending needs. Reach out today!
Jennette Jefferson
Rajesh at Equitable Lending has a special ability to deal with the most challenging issues in the whole refinancing world and he will always deliver what he promises-one way or another he will get you your mortgage even in the face of more difficult and uncertain twists and turns in the market.
I recommend Equitable Lending and Rajesh Bhavnani as you are buying peace of mind upfront. Thank you Rajesh. I will be back very soon. You are amazing.
Cheryl Thomas
Very professional staff. It was a pleasure working with Harvey and Caroline. They were kind, patient and quite knowledgeable.
The team was readily available to answer all of my questions. I would recommend Equitable Lending to anyone in need of financial services.
Simplifying the mortgage process for everyone – whether you're a first-time homebuyer, an investor, or looking to refinance.