Flexible Financing with
Non-QM Loans
Whether you’re self-employed, a real estate investor, or have non-traditional income, our Non-QM loan programs provide the flexibility you need to move forward with confidence.
Home loan solutions designed for unique financial situations.
What Are Non-QM Loans?
Non-QM Loans are mortgage products that fall outside standard underwriting guidelines but still offer a responsible path to homeownership or refinancing. They’re ideal for borrowers who don’t meet the rigid criteria of conventional loans but are financially sound.
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Rather than relying solely on W-2s or tax returns, Non-QM loans can use alternative methods—such as bank statements, asset verification, or rental income—to evaluate your ability to repay the loan.
Who Benefits from a Non-QM Mortgage?
The loan option is designed for:
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Self-Employed Professionals – Business owners, freelancers, and gig workers
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Real Estate Investors – Buyers with multiple properties or income from rentals
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High Net Worth Individuals – Borrowers with strong assets but limited documented income
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Credit-Challenged Buyers – Those with past financial issues who don’t qualify under conventional guidelines
Key Advantages of Non-QM Loans
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Alternative Documentation Accepted – Use bank statements, P&L statements, or asset-based qualifying instead of traditional income docs.
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Tailored Qualification – Designed to assess the full financial picture—not just tax returns or pay stubs.
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Competitive Rates – Attractive mortgage rates based on risk level and profile.
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Fast and Efficient Closings – Streamlined process with less red tape than many expect.
The Non-QM Loan Process
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Consultation – Speak with a Fortress advisor about your financial goals and qualifications
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Customized Loan Structuring – Choose from options that best fit your needs
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Alternative Documentation Review – Submit bank statements, asset info, or rental income verification
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Appraisal & Underwriting – We’ll help guide you through property review and approval
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Closing – Sign, seal, and start your next chapter
Why Work with Fortress Mortgage Advisors?
With over 40 years of combined industry expertise, Fortress Mortgage Advisors specializes in helping clients with diverse financial profiles access competitive, responsible lending solutions. We take a consultative, client-first approach—giving you guidance, clarity, and confidence at every step.​
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View other Non-QM & Business-Purpose Lending Options
Ready to Explore Your Options?
If you’ve been turned away by traditional lenders or simply need a more flexible mortgage option, a Non-QM Loan might be the solution.
Schedule a consultation and find out how Fortress Mortgage Advisors can help you achieve your homeownership goals.