Non-Qualified Mortgage solutions for borrowers who don't fit traditional lending guidelines. Flexible qualification options for unique financial situations.
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:
Qualify using personal or business bank deposits instead of traditional income documentation.
Use P&L statements instead of tax returns to demonstrate your business income and profitability.
Qualify using your savings or investment portfolio rather than traditional income verification.
Verify employment only - great for tipped workers with cash income who can't document full earnings.
Mortgage solutions for foreign nationals using ITIN numbers, without requiring U.S. credit history or Social Security numbers.
Qualify based on the property's rental income potential rather than personal income - perfect for investment properties.
We also offer unique solutions like:
Lower monthly payments with more cash flow flexibility for strategic financial management.
Qualify based on rental property income, not personal income - ideal for real estate investors.
Financing for non-warrantable condos or properties in litigation when others can't help.
Options for borrowers with recent credit events, foreign nationals, and unique situations.
At Equitable Lending, we work with your real financial picture — not just what's on paper. We understand that traditional documentation doesn't always reflect your true ability to repay a loan.
Comprehensive Mortgage Solutions
Innovative approaches to complex financial situations
Dedicated support throughout your loan process
Streamlined approval process for qualified borrowers
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."
Calculate your monthly payments for all loan types, including Non-QM and alternative financing options. Perfect for self-employed borrowers and unique financial situations.
Ready to explore your Non-QM mortgage options?
*This calculator provides estimates only. Non-QM and alternative financing rates may vary significantly based on individual circumstances, documentation, and loan-to-value ratios. Contact us for personalized rates and terms.
We're here to provide answers and support regarding your lending needs. Reach out today and let's make your homeownership dreams a reality!
Call Us
(877) 885-0111Email Us
Support@EquitableUSA.comVisit Us
2824 South Robertson Boulevard
Los Angeles, CA 90034
Business Hours
Mon-Fri: 9am - 6pm
Saturday: 10am - 4pm
Sunday: Closed