Non-QM & Bank Statement Loans
Mortgage Options Beyond Traditional Income Documentation
Flexible mortgage solutions for eligible self-employed borrowers and other situations that may not fit traditional agency documentation.
Answer a few short questions and a Merchant One Financial loan specialist will follow up. No obligation.
- Options for eligible self-employed borrowers
- Bank statement and alternative documentation programs
- Purchase and refinance scenarios
Personalized Guidance
Experienced mortgage professionals
Multiple Options
Access to multiple mortgage solutions
Florida Expertise
Serving homeowners throughout Florida
No Obligation
Explore available options without a commitment
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Explore My Mortgage Options
Answer a few quick questions. A Merchant One Financial loan specialist will review the information you provide.
Non-QM Options
Flexible Paths to Homeownership
Non-QM programs may consider your income and situation differently than traditional agency loans. Program requirements vary.
Self-Employed Borrowers
Business owners and independent professionals whose tax returns may not reflect their full financial picture can explore alternative documentation programs.
Bank Statement Programs
Some programs may consider personal or business bank statements to help document income, instead of relying only on tax returns.
Alternative Documentation
Other non-QM programs may use different forms of documentation, depending on your situation and the lender’s guidelines.
Purchase and Refinance
Non-QM programs may be available for buying a home or refinancing an existing mortgage, subject to eligibility.
Investment Scenarios
Certain non-QM programs, including DSCR loans, are designed for investment properties rather than owner-occupied homes.
Who It May Fit
Consultants, contractors, designers, small-business owners and other professionals with non-traditional income may want to explore these options.
Non-QM Explained
What Is a Non-QM Loan?
A non-qualified mortgage (non-QM) is a loan that does not follow the same standards as a “qualified mortgage” under federal lending rules. Non-QM programs can allow different ways of documenting income or other eligibility factors.
Non-QM loans still require documentation and an evaluation of your ability to repay. Terms, costs and requirements can differ from traditional agency loans, so it is important to compare your options carefully.
A loan specialist can help you understand whether a non-QM program, or a more traditional loan, may better fit your situation.
Good Questions to Start With
- How is my income currently documented?
- Am I purchasing or refinancing?
- Will the home be my residence or an investment?
- How do the terms compare with traditional options?
How It Works
How the Process Works
Tell us about your situation
Share how you earn income, the property and whether you are buying or refinancing.
Review your options
A loan specialist reviews your information and explains traditional and non-QM programs that may fit.
Move forward with clarity
If you choose to proceed, we help guide you through documentation and the application process.
FAQ
Non-QM Questions, Answered
What is a bank statement loan?
A bank statement loan is a type of non-QM mortgage that may use personal or business bank statements to help document income, rather than relying only on tax returns. Specific requirements vary by program.
Is a non-QM loan the same as a no-documentation loan?
No. Non-QM loans still require documentation and an evaluation of your ability to repay. Some programs simply allow alternative types of documentation.
Do non-QM loans cost more than conventional loans?
Non-QM loan terms and costs may differ from traditional loans and can be higher in some cases. A loan specialist can help you compare options so you can make an informed decision.
I’m self-employed. Do I need a non-QM loan?
Not necessarily. Many self-employed borrowers qualify for traditional loan programs. We can review your situation and discuss both traditional and non-QM options.
Non-QM programs are subject to program availability, credit approval, underwriting guidelines and property eligibility. Terms and costs may differ from traditional agency loans and are subject to change without notice. This is not a commitment to lend.
Explore Mortgage Options That Fit How You Earn
Tell us about your situation or call to speak with a loan specialist.
Merchant One Financial LLC — your trusted Florida mortgage broker since 2015.
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Our Locations
Largo
12800 Indian Rocks Rd #5c
Largo, FL 33774
Belleair
2401 West Bay Dr #4110
Largo, FL 33770
Merchant One Financial LLC · NMLS #1469870 · NMLS Consumer Access
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms are subject to change without notice.
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