Break Free From Traditional Home Loans

How Non-QM Loans Open Doors to Homeownership and Investment

If you’ve ever felt like the traditional mortgage world just doesn’t understand your unique financial situation—you’re not alone. In fact, many hardworking individuals and savvy investors find themselves facing unnecessary roadblocks when trying to qualify for a home loan. That’s where Non-QM (Non-Qualified Mortgage) loans step in and they’re changing the game in a big way.

We believe your dreams shouldn’t be limited by outdated guidelines. Whether you’re self-employed, a business owner, an investor with multiple properties, or someone with non-traditional income, Non-QM loans might be the key to unlocking your next big move.

What Is a Non-QM Loan?

Simply put, a Non-QM loan is designed for borrowers who don’t fit the standard mold of a conventional loan. These loans don’t follow the strict rules set by Fannie Mae or Freddie Mac but that doesn’t make them risky or complicated. In fact, they’re tailored to people like you who have real income, strong assets, and a smart financial strategy.

Who Benefits From a Non-QM Loan?

Self-Employed Professionals – No W-2s? No problem. Use bank statements, 1099s, or P&L statements to qualify.

Real Estate Investors – DSCR (Debt Service Coverage Ratio) options let you qualify based on the income the property generates—not your personal income.

High Net Worth Individuals – Use your assets to qualify, not just your income.

Credit Challenges in the Past? – Life happens. Non-QM loans are often more forgiving of lower credit scores or past hiccups like bankruptcies or foreclosures.

Why Non-QM Loans Are a Game-Changer

Flexible Documentation Options
No Tax Returns Required in Many Cases
Access to Jumbo Loan Amounts
Opportunities for Recently Self-Employed Borrowers
Fast Closings & Streamlined Approvals

Instead of getting stuck with a “no” from a traditional lender, Non-QM loans are about finding a “yes”and helping you move forward toward your goals.

Real Stories, Real Results

I’ve helped countless clients across San Diego, Chula Vista, and Imperial Beach who were told “you don’t qualify” by the big banks—only to get the keys to their dream home or investment property with a smart Non-QM strategy.

Whether it’s a couple launching their new business, a first-time investor looking for passive income, or a retiree with strong assets but limited income, we’ve helped them make it happen.

Let’s Talk Strategy

We don’t believe in one-size-fits-all lending. We take the time to understand your situation, your goals, and the best way to get you there—with solutions that fit you.

So, if you’ve been told “no” or just want to explore smarter, more flexible mortgage options—let’s connect. Your path to homeownership or investment success might be just one Non-QM loan away.

Ready to find out if a Non-QM loan is right for you?
Call me today and let’s build a custom game plan to get you moving forward.

Andre Enriques

Mortgage Banker | VA & Non-QM Loan Expert

619-208-6499