Non-QM Programs
Not every borrower fits the narrow requirements of conventional mortgage programs — and that’s where Non-QM Loans come in. At Capital City Home Loans, we proudly offer Non-Qualified Mortgage (Non-QM) solutions to help creditworthy borrowers who may not meet traditional lending guidelines due to complex income, unique financial profiles, or non-standard property types.
Whether you’re self-employed, have non-traditional income, or are looking to finance a unique real estate opportunity, our Non-QM loan options offer flexible, practical alternatives to conventional financing.
What Is a Non-QM Program?
A Non-QM loan is a type of mortgage that does not meet the Qualified Mortgage (QM) guidelines established by the Consumer Financial Protection Bureau (CFPB). These guidelines typically require standardized income verification, specific debt-to-income ratios, and underwriting criteria that exclude many well-qualified buyers.
Non-QM loans allow for alternative income documentation, more flexible credit standards, and broader underwriting criteria — while still ensuring responsible lending practices.
Who Should Consider a Non-QM Mortgage?
Non-QM loans are ideal for borrowers who have strong financial profiles but may not qualify for traditional loans due to how their income or credit is structured. Common examples include:
- Self-employed professionals with irregular or difficult-to-document income
- Real estate investors using rental income to qualify
- High-net-worth individuals with significant assets but low reported income
- Retirees drawing from investments rather than employment income
- Foreign nationals purchasing U.S. property
- Borrowers with recent credit events such as bankruptcy, foreclosure, or short sale
If you’ve been turned away from conventional lending due to documentation challenges, a Non-QM loan may be the right path forward.
