Non-QM (Non-Qualified Mortgage) or Alternative Loans
Need to Know
Explore Flexible Home Loan Options with Non-QM Loans
Explore Flexible Home Loan Options with Non-QM Loans
Not every borrower fits the traditional mortgage mold—and that’s okay.
Non-QM (Non-Qualified Mortgage) loans, also known as alternative loans, are designed for homebuyers who don’t meet standard income or documentation requirements. These flexible loan programs help self-employed individuals, investors, retirees, and others who may not qualify for conventional mortgages.
Who Are Non-QM Loans For?
Self-employed with limited tax returns
1099 earners and gig workers
Real estate investors (rental income or DSCR)
Borrowers with high assets but no regular income
Credit-challenged borrowers recovering from recent events
Key Features:
No tax returns or W-2s required (bank statement or asset-based options)
Flexible income verification (P&L, 1099, DSCR, asset depletion)
Recent credit events like foreclosure or bankruptcy may be allowed
Interest-only options and higher DTI allowances available
At VMA Lending, we specialize in matching borrowers with custom Non-QM solutions tailored to their needs. With over 30 years of experience, you’re in good hands.
📞 Call us today at 786-622-2224 or
📅 Schedule your free consultation to explore your options!
MEET THE PROFESSIONALS
Questions? We'll Put You On A Right Path!
We understand that the mortgage process can feel overwhelming, but you’re in great hands. With over 30 years of experience helping clients just like you, we’re here to guide you every step of the way — from pre-qualification to closing and beyond.
Whether you’re buying your first home, refinancing, or exploring investment opportunities, our team is committed to making the process smooth, transparent, and tailored to your goals.
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HOW CAN WE Help You?
To discuss how our team can help you, achieve home ownership.
ABOUT US
At VMA Lending, we bring over 30 years of combined experience helping individuals and families achieve their homeownership and real estate investment goals. As a trusted Florida-based mortgage brokerage, we specialize in FHA, VA, Conventional, DSCR, Non-QM, and Down Payment Assistance programs. Our team is committed to providing personalized guidance, competitive rates, and a smooth lending experience from start to finish. Your success is our mission.