Non-QM Loans
Flexible Mortgage Solutions for Borrowers Beyond Traditional Guidelines
Designed for self-employed, investors, or those with unique income situations.
Customized Mortgage Options for Unique Financial Situations
Flexible Mortgage Solutions for Borrowers Beyond Traditional Guidelines
Non-QM Loans are the perfect solution for borrowers who don’t fit into traditional mortgage qualification standards. These loans are designed for self-employed individuals, real estate investors, or those with complex income sources that may not meet conventional guidelines. With flexible terms, alternative documentation options, and personalized structures, Non-QM Loans provide a path to homeownership and investment opportunities for those who need a customized approach.
- Understand What Non-QM Means
- Ideal for Self-Employed Borrowers
- Alternative Income Documentation
- Expect Higher Interest Rates
- Larger Down Payment May Be Needed
- Good for Real Estate Investors
- Credit Flexibility
- Faster Approvals
- Work with Experienced Lenders
- Plan for Long-Term Strategy
Why Choose Duane
Your Trusted Partner in Home Financing
Duane provides professional advice and personalized support throughout your mortgage journey.
He ensures you get the best possible rates and flexible loan options to fit your budget.
From application to closing, every step is clear, simple, and stress-free.
Duane is always available to answer questions, offer guidance, and make your homeownership dream a reality.
Flexible Mortgage Solutions
Common Questions
Frequently Ask Questions.
What types of loans do you offer?
We offer conventional, FHA, VA, USDA, construction, commercial, renovation, DSCR, foreign national, and fixed-rate mortgages.
How do I know which loan is right for me?
Our experts review your financial goals and suggest the best loan program tailored to your needs.
What is the minimum credit score required?
It depends on the loan type; conventional loans typically require a higher score, while FHA loans are more flexible.
Can I get pre-approved for a mortgage?
Yes, we provide pre-approval to help you understand your budget and strengthen your offer on a home.
Do you offer assistance with down payments?
Yes, we provide down payment assistance programs to make home buying easier for eligible clients.
How long does the mortgage process take?
Typically, the process takes 30–45 days from application to closing, depending on documentation and loan type.
Are there any hidden fees?
No, we prioritize transparency; all fees and rates are disclosed upfront.
Can first-time homebuyers apply?
Absolutely! We specialize in helping first-time buyers with guidance and flexible loan options.
Do you offer refinancing options?
Yes, we provide refinancing solutions to reduce monthly payments or change loan terms.
How do I get started?
You can start by contacting us for a free consultation, submitting your documents, and getting expert guidance.