Loan Type
NON-QM
LOANS
Alternative documentation loans for self-employed borrowers and unique income situations. Bank statement loans, asset depletion, and flexible qualification.
Alternative documentation loans for self-employed borrowers and unique income situations. Bank statement loans, asset depletion, and flexible qualification.
Non-QM (Non-Qualified Mortgage) loans provide flexible financing for borrowers who don't fit traditional lending guidelines. Perfect for self-employed professionals, business owners, and those with complex income situations.
Use bank statements, asset depletion, or P&L statements instead of traditional tax returns and W-2s.
Designed for business owners and 1099 contractors who write off expenses and show lower taxable income than actual earnings.
Higher debt-to-income ratios accepted than conventional loans. More flexibility for borrowers with multiple income streams.
May qualify sooner after bankruptcy, foreclosure, or short sale than with conventional loans.
Some programs offer interest-only payment periods for improved cash flow flexibility.
Financing available for non-U.S. citizens investing in Colorado real estate without U.S. credit history.
Several Non-QM programs exist to match different income documentation situations.
Use 12-24 months of personal or business bank statements to document income. Calculate deposits to determine qualifying income.
Qualify based on liquid assets rather than income. Ideal for retirees or those with substantial savings.
CPA-prepared profit and loss statement used for income verification. Great for business owners with complex finances.
Use 1099 forms to document contractor income without full tax returns.
For non-U.S. citizens purchasing investment or second homes in Colorado. No U.S. credit required.
Non-QM loans recognize that not everyone fits the traditional mold. Bank statements, assets, or alternative documentation can qualify you for your Colorado home.
Those with complex business finances who write off significant expenses.
1099 workers with variable income from multiple clients.
Those with substantial assets but limited traditional income documentation.
Non-U.S. citizens looking to invest in Colorado real estate.
Low down payment options with flexible credit requirements, ideal for first-time buyers.
Traditional financing with competitive rates, flexible terms, and no mortgage insurance with 20% down.
Zero down payment financing exclusively for eligible veterans, active military, and qualified spouses.
Zero down financing for eligible rural and suburban areas with income requirements.
Financing for luxury homes exceeding $766,550 conforming loan limits.
Investment property loans qualified on rental income, not personal income or tax returns.
Finance purchase and renovation costs in a single loan, perfect for fixer-uppers.
Finance land purchase and construction in one loan to build from scratch.
Buy your next home before selling your current property with flexible short-term financing solutions.
Specialized financing for medical professionals with flexible debt ratios and no PMI options.
Build your dream home with one-time close construction-to-permanent financing solutions.
Finance both purchase and renovations with FHA 203k and Conventional HomeStyle programs.
Financing options for warrantable and non-warrantable condominiums in Colorado communities.
Purchase your home today at current prices and refinance when rates drop in the future.
Investment property financing based on rental income without personal income verification.
Reduce your initial mortgage payments with 2-1 and 1-0 buydown programs for easier affordability.