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Non-QM Loans:
Empowering Self-Employed and Investor Borrowers

Explore Loan Lock Home Loans's diverse non-QM loan programs, designed for borrowers with unique financial situations. Discover flexible options, competitive rates, and expert guidance.

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Which best describes you?

Self Employed

Self Employed

VA Eligible

VA Eligible

Real Estate Investor

Real Estate Investor

Other

Other

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What are Non-QM Loans?

Non-QM loans, or non-qualified mortgages, are designed for borrowers who don’t meet the stringent requirements of traditional Qualified Mortgages. These loans provide flexibility for those with unique financial circumstances, such as self-employed individuals, real estate investors, or those with complex income streams. In essence, non-QM loan programs offer a path to homeownership when traditional routes are blocked.

Start Your Homeownership Journey

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Types of Non-QM Loans Available with Ameritrust

Tailored loan options for self-employed, fluctuating incomes, or unique credit needs.

Bank Statement Loans

Leverage your bank statements to demonstrate income and qualify for financing.

Income Verification:12 or 24 months of bank statements

Maximum Loan Amount:Up to $3.5 Million

Maximum DTI:50%

Loan Purposes:Purchase, rate/term refinance, cash-out refinance

Property Types:Primary residence, second home, investment property

Income Calculation:Based on average deposits over the statement period

Eligible Borrowers:Self-employed, freelancers, business owners

Additional Documentation:May include P&L statements, tax returns (if available), asset statements

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A bank statement loan is a mortgage option tailored for self-employed individuals, allowing them to verify income using personal or business bank statements instead of traditional documents like tax returns, W-2s, or paystubs.

This program is ideal for small business owners, independent contractors, or those who don't own 100% of their business.

Our Bank Statement program offers a loan solution for credit-worthy self-employed borrowers who might not qualify for a conventional home loan, helping them secure the financing they deserve.

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Your Premier Non-QM

Direct Mortgage Lender

Tired of lending roadblocks? At Loan Lock Home Loans, we offer tailored non-QM loans for individuals and investors who don’t fit the conventional mold. Let’s unlock your homeownership dreams.

Who Benefits from Non-QM Loans?

Non-QM loans cater to a diverse range of borrowers, including:

  • Self-Employed Professionals:

    Entrepreneurs and freelancers with fluctuating income.

  • Real Estate Investors:

    Those seeking DSCR loans or investor cash flow loans.

  • Foreign Nationals:

    Individuals with international income or assets.

  • Borrowers with Unique Financial Situations:

    Those needing bank statement loans, asset depletion loans, or 1099 loans.

  • High-Net-Worth Individuals:

    Seeking jumbo non-QM loans for luxury properties.

  • Those with ITIN Numbers:

    Individuals who require ITIN loans.

Your Gateway to Flexible Home Financing

Are you self-employed, a real estate investor, a foreign national, or facing unique financial challenges? At Loan Lock Home Loans, we specialize in non-QM loans, offering tailored solutions for borrowers outside traditional criteria. With competitive rates, transparent guidance, and streamlined approvals, we help you unlock homeownership or investment opportunities.

Benefits of Choosing Loan Lock Home Loans for Non-QM Loans

Expertise:

Specializing in non-QM loans, we understand complex financial situations.

Flexibility & Speed:

Tailored loan programs with streamlined processes for faster approvals and closings.

Personalized Service:

Dedicated mortgage advisors to guide you through every step.

Direct Lender:

We are a direct lender, which allows us to offer more flexible terms.

How to Get Startedwith a Non-QM Loan

How To Get Started

Fill out our online application.

Speak with one of our experienced mortgage advisors.

Gather your financial documents.

Receive your pre-approval.

Close on your dream home.

How Can we Help?

Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.

Get in touch with our Loan Agents at

714-814-2125

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Stay Connected

714-814-2125

info@loanlockhomeloans.com

Address: 6 Hutton Centre Drive,Suite 1030, Santa Ana,CA92707