Self-Employed No Tax Return & True Non QM Mortgages
Compare Rates from 100's+ Lenders
No Tax Returns or W-2's Required
True "No Income" Program Available
Same Day Approvals & Streamlined Fundings
Purchase & Cash Out Refinance
Self Employed Mortgage Specialists
Top Non QM & Bank Statement Lender for 2025
Barrett Financial Group | NMLS #239185
Top Rated Private Mortgage Lender
Self-Employed & 1099 Bank Statement Loans
Same Day Approval & Fast Close
We Offer Rates From 100+ Lenders
Loan Amounts $200,000 to $6,000,000
620 Minimum Score Requirements
What is a Non-QM Loan?
A Non-Qualified Mortgage (Non-QM) Loan is a type of home loan that doesn’t fit traditional lending guidelines set by Fannie Mae or Freddie Mac. Unlike conventional loans, which require strict income verification and debt-to-income (DTI) ratios, Non-QM loans offer alternative qualification methods, making them ideal for self-employed individuals, real estate investors, and borrowers with non-traditional income sources.
Why Use a Non-QM Loan?
Flexible Income Documentation – No need for traditional W-2s or tax returns
Higher Debt-to-Income Ratios Accepted – More borrowing power compared to conventional loans
Fast & Streamlined Approval Process – Less paperwork, quicker closings
Competitive Loan Terms – Adjustable and fixed-rate options available
Financing for Unique Situations – Great for business owners, investors, and unconventional earners
Who is Eligible for a Non-QM Loan?
Non-QM loans are designed for borrowers who may not qualify for conventional financing due to income verification or credit requirements. You might be eligible if you are:
Self-Employed – Use bank statements instead of tax returns to prove income
Real Estate Investors – Qualify based on rental income (DSCR loans)
Freelancers & Gig Workers – Flexible income documentation accepted
Borrowers with High Assets – Use asset depletion for qualification
Foreign Nationals – Secure financing without U.S. credit history
Individuals with Recent Credit Events – Such as bankruptcy, foreclosure, or late payments
Advantages & Disadvantages of Non-QM Loans
Advantages:
Easier qualification for self-employed and non-traditional income borrowers
Higher loan amounts available compared to conventional loans
No strict DTI ratio requirements
Great for self employed borrowers of all types and real estate investors
Disadvantages:
Interest rates may be slightly higher than traditional loans
10% down payments are typically required
Fewer lenders offer Non-QM loans compared to conventional mortgages
Find Out What You Qualify For:
If you're a self-employed borrower, real estate investor, or someone with unique income, a Non-QM loan could be the perfect financing solution for you. Click below to check your eligibility and get a custom loan quote today!
Licensing:
John Peisner | NMLS #239185 | dscrbrokers.com powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 8485 W Sunset Rd Suite 202, Las Vegas, NV 89113| AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | CT ML-181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment
| MN MN-MO-181106 | NV 5091 | NJ | NC B-203722 | OR | PA 92105 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | VA MC-7357 & MC-7357 | WI 181106BA & 181106BR | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106 barrettfinancial.com |
Barrett Financial Group, L.L.C is a NMLS Licensed, independent mortgage company that provides mortgages for borrowers. Barrett Financial Group is not affiliated with any Govenment agency. All terms subject to credit approval and this is not a commitment to lend. Not all applicants will qualify.
