NON-QM LOANS: HOW TO QUALIFY FOR A MORTGAGE IF YOU'RE SELF-EMPLOYED

Are you self-employed and struggling to get approved for a mortgage?


You’re not alone—and more importantly, you’re not out of options.


For business owners, freelancers, gig workers, and independent contractors, the traditional mortgage process can feel like trying to squeeze into a suit that just doesn’t fit. Lenders often want W-2s, consistent pay stubs, and a very specific income profile that just doesn’t reflect how many of us earn a living today.


What is a Non-QM Loan?


"Non-QM" stands for non-qualified mortgage—but don’t let the name fool you. These are legitimate, flexible mortgage options designed for borrowers with non-traditional income. Rather than evaluating only W-2s or strict debt-to-income ratios, Non-QM lenders take a broader, more realistic view of your financial picture.


Who Are Non-QM Loans For?


Non-QM loans are ideal for:


  • Self-employed borrowers


  • 1099 earners


  • Small business owners


  • Entrepreneurs and investors


If your income doesn’t come in the same amount, every two weeks, from the same employer—this loan may be exactly what you need.


Benefits of Non-QM Mortgages


Unlike traditional loans, Non-QM mortgages give you options:


No W-2s required

Qualify using bank statements, tax returns, or even liquid assets

Flexible underwriting that looks at the big picture


That means your success as a business owner or freelancer is no longer a roadblock—it can actually work in your favor.


A Growing Trend


The market for Non-QM loans is expanding quickly as more Americans move into self-employment, side hustles, and flexible income models. Lenders are catching on, and so are buyers who are tired of being told they don’t "fit the mold."


You Deserve to Own a Home—Your Way


You’ve built your income your own way. Why shouldn’t you buy a home that way, too?


If you're ready to stop getting penalized for being self-employed and start working with a lender who sees the full picture, a Non-QM loan might be the key.


Let’s make homeownership possible—on your terms.


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