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
Non-QM loans allow for alternate documentation such as bank statements or asset depletion strategies. Ask your lender which documentation fits your situation best.
These loans offer flexibility but may come with higher interest rates or fees. Make sure you understand the cost structure and compare it to traditional financing.
Non-QM loans can be used for investment properties, self-employed income, or unique situations. Defining your purpose helps match you to the right product.
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.
