Not every borrower fits the traditional mold. Ryan O’Kane and Arbor Financial Group provide Non-QM loan solutions for self-employed professionals, real estate investors, and those with alternative income or credit situations. Discover flexible mortgage options tailored to your financial profile and homeownership goals.
Non-QM loans are perfect for those with non-traditional income, such as self-employed professionals, freelancers, or commission-based earners. Instead of standard income documentation, Ryan O’Kane can help you qualify using bank statements, 1099s, or asset-based options.
If your credit history includes past challenges or unique situations, Non-QM mortgages offer more flexibility. These loans may work for borrowers with recent credit events, such as bankruptcies, short sales, or foreclosures.
Real estate investors benefit from Non-QM loans that allow qualification based on rental income or property cash flow rather than personal income. Ryan helps streamline the process for multi-property portfolios and DSCR loans.
Need a loan amount above conventional limits? Jumbo Non-QM loans provide access to larger financing for luxury properties, even if you don’t meet traditional underwriting criteria. Ryan will help you find the best fit.
For self-employed borrowers who don’t show significant income on tax returns, Non-QM programs offer the option to qualify without them. Ryan O’Kane guides you through bank statement or stated income loan alternatives.
Everyone’s financial situation is different. Ryan works with you to create a custom mortgage solution through a Non-QM loan, ensuring your loan fits your goals—not a strict underwriting checklist.
Navigating Non-Qualified Mortgage (Non-QM) loans requires experience and insight—and that’s where Ryan O’Kane shines. With a deep understanding of non-traditional income structures, Ryan specializes in helping self-employed borrowers, real estate investors, and individuals with unique financial profiles find smart, flexible mortgage solutions.
At Arbor Financial Group, we offer access to a wide range of Non-QM loan products backed by expert guidance, transparent communication, and concierge-level support. Whether you’re using bank statements, asset-based income, or exploring DSCR loan options, Ryan is here to make sure you feel confident and supported every step of the way.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Non-QM loan is a mortgage that does not meet the standard guidelines for a qualified mortgage set by government-sponsored enterprises such as Fannie Mae and Freddie Mac. Unlike traditional mortgages that require W-2 income verification and strict debt-to-income limits, Non-QM loans allow alternative income documentation and more flexible underwriting guidelines.
Non-QM loans are designed for borrowers who may not meet conventional loan requirements. This includes self-employed individuals, business owners, retirees, foreign nationals, real estate investors, and those with significant assets but limited traditional income. Borrowers with recent credit events, such as bankruptcy or foreclosure, may also qualify for a Non-QM loan.
Non-QM loans accept alternative income verification methods, including bank statements, rental income, profit-and-loss statements, asset depletion, and foreign income. Unlike conventional loans, which require tax returns and W-2s, these loans allow borrowers to demonstrate financial stability through other means.
While traditional mortgage programs typically require higher credit scores, Non-QM loans offer more flexibility. Borrowers with credit scores as low as 500 may qualify, depending on other financial factors such as income, assets, and down payment amount. However, a higher credit score may help secure better loan terms and lower interest rates.
Down payment requirements for Non-QM loans vary by lender and loan type. Some Non-QM programs allow down payments as low as 10 percent, while others may require 20 to 30 percent, especially for jumbo Non-QM loans or investment properties. The exact amount depends on factors such as credit score, loan amount, and income verification method.
Yes, Non-QM loans are an excellent option for real estate investors. Programs such as Debt-Service Coverage Ratio (DSCR) loans allow investors to qualify based on the rental income of the property rather than their personal income. This makes it easier for investors to secure financing for multiple properties.
Since Non-QM loans carry more risk for lenders due to flexible qualification requirements, interest rates may be slightly higher than conventional loans. However, competitive rates are available for borrowers with strong financial profiles, high credit scores, or large down payments. Shopping around and working with an experienced lender can help secure the best available rate.
Yes, Non-QM loans can be refinanced. Borrowers may choose to refinance into another Non-QM loan or transition into a conventional mortgage if they meet qualification requirements in the future. Refinancing can be used to secure better loan terms, reduce interest rates, or access home equity through a cash-out refinance.
Bank statement loans allow self-employed borrowers to qualify for a mortgage using 12 to 24 months of personal or business bank statements instead of tax returns. Lenders analyze average monthly deposits to determine income, making it easier for business owners and freelancers to qualify without W-2s or pay stubs.
Yes, Non-QM loans provide financing options for borrowers with recent credit challenges. While traditional lenders may require a waiting period of several years after a bankruptcy or foreclosure, Non-QM lenders may approve loans much sooner, sometimes within one to two years. The exact timeline depends on the loan program, credit score, and other financial factors.
No, Non-QM loans can be used for primary residences, second homes, and investment properties. Unlike conventional mortgage programs, Non-QM loans offer greater flexibility, allowing borrowers to secure financing for a variety of real estate needs, including short-term rental properties and multi-unit investment homes.
The timeline for closing a Non-QM loan varies based on the lender and loan complexity. While traditional mortgage loans typically take 30 to 45 days to close, Non-QM loans may take a similar amount of time or slightly longer, depending on documentation requirements and the borrower’s financial profile.
If you don’t qualify for a Non-QM loan, there are other mortgage options to explore. Some lenders offer portfolio loans or alternative lending programs that provide even greater flexibility. Borrowers may also consider improving their credit score, increasing their savings for a larger down payment, or working with a mortgage specialist to find the best possible financing solution.
Ryan O’Kane at ARBOR Financial Group delivers personalized mortgage solutions with integrity, fast custom quotes, and competitive rates. Licensed in CA and NV.
