Non-QM Loans

Explore Non-QM Loan Options for Your Unique Financial Situation

The Massa Mortgage Team offers innovative non-QM (Non-Qualified Mortgage) loan solutions tailored to meet diverse borrowing needs in Minnesota, Wisconsin, Arizona, Florida, Virginia, and Oregon. These flexible financing options are designed for individuals who may not qualify for traditional mortgages due to unique income situations, self-employment, or other factors. Our comprehensive range of non-QM products includes:

• Bank statement loans
• Asset depletion loans
• Interest-only options
• Foreign national programs
• Debt service coverage ratio (DSCR) loans
• Recent credit event accommodations

With over 25 years of experience in the mortgage industry, The Massa Mortgage Team is equipped to guide you through the non-QM loan process. Reach out to us to explore personalized mortgage solutions that align with your financial goals.

Signs You Might Benefit from a Non-QM Loan

Non-QM loans can be an excellent alternative for borrowers who don't fit the conventional mortgage mold. The Massa Mortgage Team specializes in identifying suitable non-QM options for clients. Consider a Non-QM loan if you experience any of the following:

• Self-employed with fluctuating income
• Recent career change or job transition
• Significant assets but limited regular income
• Credit challenges in the past
• Non-traditional income sources
• Investment property purchases

If any of these situations resonate with you, The Massa Mortgage Team can help determine if a Non-QM loan is the right fit for your financial circumstances.

Why Non-QM Loans May Be Your Best Option

Non-QM loans offer flexibility and opportunities that traditional mortgages may not provide. The Massa Mortgage Team understands the unique advantages of these loan products and can help you leverage them effectively. Key reasons to consider a non-QM loan include:

• Alternative income documentation accepted
• More lenient debt-to-income ratio requirements
• Flexible credit score considerations
• Options for recent credit events or bankruptcies
• Customized loan terms to fit your financial situation
• Potential for higher loan amounts

Let The Massa Mortgage Team guide you through the non-QM loan landscape to find a solution that aligns with your homeownership goals.

Why Choose The Massa Mortgage Team

When it comes to non-QM loans, experience and expertise matter. The Massa Mortgage Team stands out as a trusted mortgage consultant in Minnesota, Wisconsin, Arizona, Florida, Virginia, and Oregon. Here's why clients choose us for their Non-QM loan needs:

• Over 25 years of mortgage industry experience
• Specialized knowledge in Non-QM loan products
• Same business day responses and efficient service
• Bilingual support in English and Spanish
• Access to down payment assistance programs
• Ranked among the Top 100 VA Lenders
• Free, no-obligation loan estimates

Partner with The Massa Mortgage Team to navigate the complexities of non-QM loans with confidence and ease.

Contact Us

Ready to explore non-QM loan options? The Massa Mortgage Team is here to assist you every step of the way. Our experienced consultants will work diligently to understand your unique financial situation and identify the most suitable non-QM loan solutions. We pride ourselves on providing personalized service and guidance throughout the entire mortgage process.

Contact us today to schedule a consultation and discover how non-QM loans can open new doors to homeownership for you.