Non-QM Loans

Ryan McCormick, Senior Loan Officer at Empire Home Loans, Inc

Ryan McCormick, Senior Loan Officer

Empire Home Loans, Inc

Phone: (720) 988-7773

Email: [email protected]

NMLS# 2318877

Company NMLS# 1839243

Licensed in: CO, NV

Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.

NON-QM Loans

Non-QM Loans

What Are Non-QM Loans?

Non-QM Loan Programs

General Requirements

Benefits of Non-QM Loans

Frequently Asked Questions

Do You Qualify for a Non-QM Loan?

LOAN PROGRAMS

Alternative Financing Solutions

Non-Qualified Mortgage Programs

Flexible mortgage solutions for self-employed borrowers, investors, and those with unique financial situations who do not fit traditional lending guidelines.

Non-Qualified Mortgage (Non-QM) loans are home loans that do not meet the strict standards set by the Consumer Financial Protection Bureau for Qualified Mortgages. While QM loans follow rigid guidelines around debt-to-income ratios, documentation, and loan features, Non-QM loans offer flexibility for borrowers with unique financial situations.

Not everyone fits in a box. Non-QM loans recognize that real financial lives are more complex than traditional guidelines allow.

These loans are not "subprime" loans—they are responsibly underwritten with appropriate documentation, but they provide alternatives for self-employed professionals, real estate investors, foreign nationals, and others whose income or asset situations do not conform to standard requirements.

*Requirements vary significantly by specific Non-QM program. Contact us to discuss your unique situation.

Let us review your unique situation and match you with the right Non-QM program. We specialize in creative solutions for complex scenarios.