CLG offers Non-QM loans built for real life—because not every borrower fits inside a traditional box.
We believe your income story is valid even when it doesn’t follow a W-2.
Non-QM loans (Non-Qualified Mortgages) are designed for borrowers who don’t meet the strict requirements of traditional lending programs. These loans are ideal for self-employed individuals, real estate investors, retirees, or anyone with complex or non-traditional income streams.
Unlike standard loans that require predictable income and perfect credit, Non-QM loans allow for alternative documentation like bank statements, asset depletion, or rental income analysis.
Self-employed professionals with variable income
Real estate investors seeking cash-flow-based qualification
Borrowers recovering from a recent credit event
High-net-worth individuals with non-liquid assets
Retirees who don’t receive traditional paychecks
Non-QM loans can be powerful tools but navigating them requires guidance. Here are a few expert tips:
Don’t self-disqualify. Even if you’ve been told “no” before, a Non-QM loan may open new doors.
Organize your financial records. Bank statements, asset sheets, and rental income logs can be your ticket to approval.
Compare structures. Some Non-QM products offer interest-only options, while others may be better suited for long-term affordability.
Work with an experienced advisor. Not all lenders offer Non-QM options. CLG specializes in matching borrowers with the right non-traditional solutions.
We believe great borrowers come in all financial profiles.
Alternative income documentation accepted
Higher debt-to-income (DTI) ratios allowed
Recent bankruptcies, foreclosures, or credit challenges may be considered
Interest-only and fixed/ARM options available
Expanded underwriting flexibility
We specialize in helping clients like you—those with unique income stories, big ambitions, and a drive to own real estate. Whether you’re investing in your future or looking for a primary home solution, CLG brings clarity, transparency, and speed to the process.
Let’s explore your loan options together—no cost, no commitment, just clarity.
