Traditional mortgage products don’t necessarily work for every applicant. Since every mortgage isn’t the same and every mortgage applicant has his or her own unique set of needs and goals, it’s important to find mortgage products that meet these unique needs. At NonQMDirect.com, we understand that not everyone’s mortgage needs can be met with a traditional product and a standard form. That’s why we offer a variety of nontraditional mortgage products, designed to meet the everchanging, constantly evolving needs of our clients. If you’re ready to purchase a home but can’t seem to get approved for a standard, traditional mortgage, be sure to check out our line of specialized mortgage products.

Stated Income:

Most traditional mortgage lenders require you to provide years of financial information. Not only is this intrusive, but it is also time consuming. To make matters worse, these traditional loans often don’t work for people who are self-employed or have a variable income. Our stated income loans allow you to simply declare your income, and that’s the basis for the loan that we provide.

Self-Employed:

Speaking of self-employed applicants, we understand that working for yourself often means that your income varies from one month to the next. Additionally, you may have more debt than some other applicants and may not have access to some of the financial documents that other applicants have. Fortunately, our team of loan professionals can work with self-employed applicants to help them get the funds they need.

No Doc, Low Doc:

There are a variety of reasons that you may have little to no documentation about your own financial status. As we’ve already discussed, this is a common problem for self-employed applicants. However, it can also be an issue for those whose primary source of income is investments or another nontraditional means or applicants who have changed jobs recently. Whatever the cause of your lack of documentation is, our team can still help you obtain your mortgage.

Simplified Mortgages for Real Estate Investors

While traditional lenders require to provide proof of income that goes back years with the same employer we understand that doing so isn’t always possible and take a non-traditional approach in making your dream come true.

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Foreign National:

Owning property and your own home is part of the American dream. However, for foreign nationals who want to obtain a mortgage, things can be incredibly difficult. Not only do time and distance make things harder, but the type of documentation that some mortgage lenders require isn’t always easy for foreign nationals to provide. Our team can help you make your American dream a reality through property ownership.

Investment Property:

In most cases, investment properties don’t use the same process as a traditional mortgage. However, we know how important it is to have real estate investments in your portfolio. Our team can help you obtain the funding you need to purchase an investment property so you can start earning passive income.

HOA Litigation:

When you’re interested in purchasing a condo that falls under HOA administration, you may run into an issue surrounding the unit and even the entire building. Traditional lenders usually won’t provide mortgages on condos that are in litigation, but our team may still be able to help. Don’t give up on owning a condo just because of some issues surrounding it.

Hard Money:

Hard money loans are a great option for borrowers with bad credit, no credit or don’t meet mortgage requirements for any other purpose. The entire qualification process is different, which means that hard money loans can help make home ownership possible for applicants that traditional lenders would turn down.