• Non-QM Loans

    Flexible Mortgage Options for Unique Income Situations in Austin & Central Texas

    Whether you’re buying in Austin, Cedar Park, Leander, Round Rock, or anywhere across Central Texas, Non-QM loans (Non-Qualified Mortgage loans) provide powerful solutions for buyers whose income or financial profile doesn’t fit traditional lending guidelines.

    Think of Non-QM as the “real life happens” loan category — designed for entrepreneurs, investors, retirees, 1099 earners, newly self-employed buyers, and anyone whose story is bigger than a tax return.

  • Non-QM Loans in Texas

    When you’re exploring Non-QM options, you need someone who actually understands the quirks behind bank statements, DSCR, P&L-only, and asset-based programs — not someone who just “kind of knows they exist.” That’s where I come in. I specialize in helping borrowers whose income doesn’t fit neatly inside a standard box, and I break everything down in a way that actually makes sense.
    With access to a wide network of investor-friendly Non-QM lenders, I can compare multiple programs to find the one that fits your exact situation instead of forcing you into a one-size-fits-all loan. My process is fast, transparent, and designed to help you feel confident when you're making offers in a competitive Austin market. And above all, you’ll get straight talk, smart strategy, and a loan plan built around your real financial story — not just your tax return.

    Who Non-QM Loans Are Perfect For

    You don’t qualify for a traditional mortgage due to taxable income, employment history, or documentation

    You want a loan program that reflects your actual financial picture

    You need more flexible guidelines for income, credit, or property type

    You prefer interest-only, 40-year, or alternative loan structures

    You want to use bank statements, DSCR, or asset depletion to qualify

    You’re buying an investment property and want limited documentation

  • Frequently Asked Questions About Non-QM Loans in Austin

    Non-QM loans open doors for many Texas buyers who don’t fit inside the “traditional lending box."

    Quick Answers to Help You Decide:

    ☑️ No tax returns required for many programs
    ☑️ Bank statement, DSCR, and asset-based options available
    ☑️ Flexible credit guidelines — recent events may be allowed
    ☑️ Interest-only and 40-year mortgage terms available
    ☑️ Ideal for investors, business owners, and self-employed buyers

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