There are several Non-QM loan programs available depending on a borrower’s specific financials. Below are some of the most popular Non-QM programs:
What is Non-QM?
How to Qualify
Helps self-employed borrowers qualify by basing income on their cash flow and liquid assets since their tax returns and W-2s of pay stubs alone may not be reflective of their ability to repay.
NO INCOME / HIGH ASSETS
Allows borrowers to qualify for loans using their liquid assets and does not require employment or debt to income to justify ability to repay. For borrowers who have enough assets to buy the home outright, but they don’t want to liquidate their assets to do so.
DEBT SERVICE COVER RATIO
Helps borrowers qualify based on rental analysis to determine property cash flow versus income and debts.
RATES AND PRICING VARY. READ DISCLAIMER.
- Rates, pricing, and terms may vary depending on each specific scenario and sometimes compensating factors of a borrower’s financials may result in better terms.
- For a quote based on your specific scenario select the Get A Quote option and we’ll provide you a personalized quote.
- Terms & conditions apply.
- This is not a commitment to lend.
Savvy Clients = Happy Clients
Another Loan with amazing service!
Thank you Moe, You did another amazing loan for me! I am deeply grateful! You are so professional and so knowledgable and I love how you communicate throughout the entire process of getting a loan. In my 30 years in real estate you are definitely the best Mortgage Broker I have worked with. In addition, your team of people are amazing! Especially the travelling Notary Astrid, what an Angel she is :)) I will definitely refer you to my family and all of my clients.
Sarita Sarr, Indian Wells, CA
Working with Michael at The Loan Professors was a dream.
He was extremely helpful in educating me, guiding me through every step of my purchase, and following up. As a first time buyer, | feel very lucky to have him by my side. Would recommend 10/10! Oh, he also got my escrow closed in 2 weeks!!
Mike. S from Brooklyn, NY
I can’t say enough about Moe and the work that he and his colleagues do.
Moe was with us every step of the way guiding and helping us through this very foreign process. My wife and I have now used he and his team for 2 loans and I would come by a 3rd and 4th time! All I can emphasize is they take great care of you and do an amazing job!
Moe’s the best!
Got me an awesome rate, was super responsive to my questions and helped me close fast! Also LP's online portal was easy to use. Definitely recommend!
Kgolf93 from Los Angeles, CA
I used LoanProfessors.com to refinance my home loan.
Moe was very professional and processed my loan with professionalism and kindness. He was very thorough and completed my loan process very quickly with a really low rate. I highly recommend them. I previously used them for my home purchase a little over a year ago and they went above and beyond then as well. Thank you Moe Ghazi and team for making the process easy.
Another great experience working with Loan Professors.
This is the second time I've used them and they make everything so easy. Michael was a pleasure to work with again. They were able to get me a great rate with low closing costs on my refinance. Highly recommended! Thank you again!!!
Joseph H., Santa Monica, CA
Moe’s team did a great job refinancing my home.
He and his team were great at getting back to me in a timely manner and getting the loan pushed through quickly. He made it painless to get my home refinanced and the fees were reasonable and worth every penny. Moe took the time to explain things in a way that I could understand and make a good decision. There were no pressure sales and I felt like I was in good hands.
This was my first time purchasing a home, so you can only imagine how nervous I was.
Im so thankful that I was referred to Moe and his team. He is extremely knowledgeable, communicative and he was helpful throughout the entire process. I couldn't have asked for a better team and they delivered a seamless transaction. Do yourself a favor, don't go anywhere else to get your loan done; go to Loan Professors!!
Mary G., Woodland Hills, CA
I was referred to Moe Ghazi by a very trustworthy friend and the rest is history.
Moe is busy but never too busy to be attentive, professional, understanding, kind and absolutely ON IT! He walked me through each and every aspect of a tricky loan, made sure I understood everything and welcomed questions as they arose. I never felt lost or confused during the entire process which by the way....was FAST! If you want a reliable one-stop-shop, LoanProfessors.com is your place.
Moe Ghazi was so knowledgable and helpful with funding my loan.
He got me an amazing rate, went out of his way to be friendly and got my loan ready to fund way before escrow was going to close. So fast, such a wonderful experience, cannot recommend enough!
Moe has done 2 refi's for me now, we will work on the third, he is absolutely great to work with, as I am a realtor for 34 years & I have worked with many lenders over the years, he is accurate, honest, & timely.
Valerie Basile from Los Angeles, CA
Housing market moves fast and we needed a loan officer who could help us stay competitive.
Our initial loan officer (who wasn't with Loan Professors) told us it would take 41 days, minimum, which wasn't going to cut it in this crazy housing market. We found Moe and he got it done in 21 days!
LP is fantastic!
Moe was incredibly professional and helpful during the months and moths of pre-qualification letters, and most importantly, during our actual loan process. It's great knowing that we have a competitive rate, and benefitting from excellent service. Don't hesitate to contact them!
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