A Non-QM loan can help borrowers who have had credit issues in the past such as foreclosures, bankruptcy, late payments or other isolated credit issues. Non-QM loans also have underwriting guidelines that are different than the typical conventional or government type loans. Self-employed borrowers typically have more complicated income structures that require different calculations than wage earners. If you want to qualify, please speak with one of our loan officers today about purchasing a home or refinancing your current home with a Non-QM/Alternative QM loan program.