NMLS# 258263 562-889-3409 rose@rose4loans.com
Home/Loans/Non-Conforming Loans

Non-Conforming & Non-QM Loans

Flexible mortgage solutions for borrowers who don't fit standard lending guidelines.

Non-Conforming Loans

Non-Conforming & Non-QM Loans

Non-conforming loans don't meet Fannie Mae or Freddie Mac guidelines — and non-QM (non-qualified mortgage) loans go a step further, offering flexibility around income documentation, credit history, or property type.

These programs exist precisely for borrowers who have been turned away by conventional lenders. Rose has access to a wide range of non-QM products, including bank statement loans, asset-based lending, DSCR loans, and more.

Apply Now  Get a Quote
Non-Conforming Loans

Key Features & Benefits

Bank Statement Loans

Qualify using 12 or 24 months of bank statements rather than tax returns — ideal for self-employed and business owners.

Asset Depletion

Use liquid assets (investments, retirement accounts) to qualify for income, even with minimal documented earnings.

DSCR Loans for Investors

Debt Service Coverage Ratio loans qualify based on rental income from the property, not personal income — no tax returns or pay stubs needed.

Recent Credit Events

Non-QM programs are available 1–2 years after bankruptcy, foreclosure, or short sale — far sooner than conventional guidelines allow.

Jumbo Non-QM

High-value loans with non-traditional income documentation are available through Rose's specialty lender network.

Foreign National Loans

Rose has access to programs for non-US citizens purchasing property in the United States.

Ready to Get Started?

Contact Rose today for a free, no-obligation consultation.

  Apply Now   Talk to Rose