The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Scott Sheldon's The Mortgage FIles Blog

Non-QM Loans Explained: Flexible Mortgage Options for Unique Borrowers!

By Scott Sheldon / April 4, 2025

Not every borrower fits neatly into the traditional mortgage box—and that’s okay. Whether you’re self-employed, investing in rental properties, have complex income streams, or experienced credit hiccups, there are still options available. That’s where non-QM loans come in. Non-QM (non-qualified mortgage) loans are designed for borrowers who don’t meet the standard income, credit, or documentation…

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