Next-Level Group

NMLS #1359687 | +18013908346

Non-QM Loans

Unlock Homeownership with Next-Level Group's Non-QM Loan Solutions

At Next-Level Group Powered By Canopy Mortgage LLC, we understand that traditional mortgage requirements don't fit every borrower's unique financial situation. That's why we offer specialized Non-QM (Non-Qualified Mortgage) loan programs, designed to provide flexible financing options for those who may not qualify for conventional mortgages.

What are Non-QM Loans?

Non-QM loans are mortgage products that fall outside the guidelines established by the Consumer Financial Protection Bureau (CFPB) for Qualified Mortgages (QMs). These loans cater to borrowers with non-traditional income sources, unique financial circumstances, or those who may have experienced credit challenges.

Why Choose Next-Level Group for Your Non-QM Loan?

  • Expertise in Non-Traditional Financing: Our experienced loan officers specialize in Non-QM lending, understanding the complexities and nuances of these unique loan programs.
  • Flexible Underwriting: We offer flexible underwriting guidelines that consider alternative income documentation, asset-based lending, and other non-traditional factors.
  • Tailored Solutions: We work closely with you to understand your specific financial situation and customize a Non-QM loan solution that meets your individual needs.
  • Access to Diverse Loan Programs: We provide access to a wide range of Non-QM loan programs, including bank statement loans, asset depletion loans, and investor cash flow loans.
  • Personalized Guidance: We prioritize personalized service and open communication, guiding you through the Non-QM loan process with expertise and support.

Our Non-QM Loan Programs:

  • Bank Statement Loans: Designed for self-employed individuals and business owners who rely on bank statements to document their income.
  • Asset Depletion Loans: Allows borrowers to qualify based on their assets, such as retirement accounts or investment portfolios.
  • Investor Cash Flow Loans: Ideal for real estate investors who purchase properties based on rental income.
  • Foreign National Loans: Designed for foreign nationals who wish to purchase property in the United States.
  • 1099 Loans: designed for independent contractors who recieve 1099 tax forms.

Who Benefits from Non-QM Loans?

Non-QM loans are ideal for:

  • Self-employed individuals and business owners
  • Real estate investors
  • Individuals with non-traditional income sources
  • Borrowers with credit challenges
  • Foreign nationals purchasing property in the U.S.
  • Individuals with substantial assets

Take Control of Your Homeownership Journey:

If you’re facing challenges qualifying for a traditional mortgage, Next-Level Group Powered By Canopy Mortgage LLC can help. Contact us today to explore your Non-QM loan options and discover how we can help you achieve your homeownership goals. We’ll provide you with expert guidance and personalized support throughout the entire loan process.