Meet Luminate Bank, Your Non-QM Lender
home loans that think outside the box
>> alternative lending, trusted expertise.
- No tax returns, W-2's, or pay stubs required
- Qualify with business or personal bank statements
- Flexible lending options with experts you can trust
What is a Non-QM Loan?
A Non-QM (Non-Qualified Mortgage) loan offers flexible underwriting standards for borrowers with unique financial situations. Unlike traditional loans, Non-QM loans may use alternative income documentation—including bank statements or tax returns—to verify your income.
Non-QM loans are a great alternative for borrowers who don't fit in the "traditional" lending box, including:
- Self-employed borrowers and freelancers
- Business owners
- Real estate investors
- Borrowers with high debt-to-income ratios or unconventional income streams
Non-QM loans offer:
- Flexible income verification
- Higher DTI (debt-to-income) allowances
- Expanded qualification options
- A variety of flexible mortgage options
all income scenarios deserve a personalized, no-nonsense mortgage. With our simple, four-step process, we make non-qm loans as smooth and transparent as possible.
Tell me about your goals.
Let’s start by discussing your goals and timeline. Together, we’ll find a Non-QM loan option that fits your needs and sets you up for success.
Complete your application.
Gather your financial details and fill out your loan application. No W-2? No problem. Applying for a mortgage is different here.
Get pre-approved.
Once your application and credit are reviewed, you’ll receive a pre-approval letter, giving you the confidence to start your home search without wasting time.
Find your home.
Armed with your pre-approval letter and mortgage options that will work for you, it’s time to explore the market and find your next home.
READY TO experience the difference?
Luminate Bank® is a nationally recognized mortgage lender combining the strength of a licensed bank with the agility and entrepreneurial mindset of independent mortgage bankers.
With a footprint of over 700 dedicated professionals, we proudly rank among the Top 25 Retail Mortgage Lenders in the nation, as recognized by Scotsman Guide.
By offering the security of an FDIC-insured institution and the innovative spirit of our sales team, we are proud to deliver efficient, flexible, and personalized service to homebuyers in all 50 states.
Luminate Bank is built to serve, which is why we’re committed to empowering our borrowers, supporting real estate professionals, and closing loans with confidence.
