Non-QM loan finder
The hardest part of a non-QM mortgage is finding the program that fits. Tell us your situation — we’ll surface the program types that actually serve it, ranked by fit.
8 program types fit what you described.
ITIN portfolio program
Lends to borrowers with an ITIN and no Social Security number, accepting alternative credit (rent, utilities) where there's no traditional FICO score.
- ITIN accepted (no SSN)
- Alternative credit OK
- Bank-statement income common
Flexible-credit bank-statement program
A bank-statement program with a lower credit floor for borrowers rebuilding credit, in exchange for a larger down payment and a higher rate.
- 600+ credit accepted
- 12-month statements
- Higher down offsets lower score
ITIN bank-statement program
An ITIN program that qualifies self-employed borrowers on business deposits, available across an expanded set of states with alternative credit.
- ITIN + bank statements
- Alternative credit OK
- Expanded state coverage
Business bank-statement program
Qualifies on 12–24 months of business deposits with an expense factor instead of tax returns — the workhorse for self-employed borrowers whose write-offs suppress net income.
- 12 or 24-month statements
- Expense factor 40–50%
- CPA letter can lower the factor
DSCR investor program
Qualifies an investment property on its own rental cash flow (debt-service-coverage ratio) — no personal income documents required.
- No personal income docs
- Qualifies on rent vs. payment
- 1.0+ DSCR typical
Personal bank-statement program
Uses personal-account deposits for borrowers who run most income through a personal account. Higher expense factor than business programs, but expands access.
- Personal statements accepted
- Expense factor 60–70%
- Good when there's no business account
1-year tax-return program
Accepts a single year of self-employment returns instead of the usual two — built for newer businesses with a strong recent year.
- 1 year of returns
- Good for 12–24 month-old businesses
- Faster than waiting for a 2-year history
1-year bank-statement program
Combines a single year of self-employment with deposit-based income — for newer businesses that also want to qualify on cash flow rather than tax returns.
- 1 year in business OK
- Deposit-based income
- Bridges to a 2-year file later
Illustrative only. Program availability, credit floors and pricing vary by lender and change without notice. Not a quote, pre-approval, or offer of credit.
Why non-QM programs are so hard to compare
Conventional loans follow uniform Fannie Mae and Freddie Mac rules, so shopping is mostly about rate. Non-QM (non-qualified) mortgages are the opposite: every lender writes its own program. Expense factors, credit floors, statement periods, LTV caps, and even which states they serve all vary — so a borrower declined by one lender is routinely approved by another on the exact same profile.
That fragmentation is the real barrier for self-employed, ITIN, investor, and newcomer borrowers. This finder maps your situation to the program archetypes most likely to fit, so you know what to ask for before you start calling lenders. It does not rank by compensation — results are ordered purely by how well a program type matches your inputs.
Already know you want a bank-statement loan? Compare lender variables in detail on how to compare bank statement lenders, or estimate your deposit-based income with the bank statement estimator.
Faster route: match by situation
Want a one-tap shortcut with a live sample rate and a guide for each path? Tap your situation — the deeper filter above stays the place to narrow program archetypes.
Your income doesn’t fit the box. There’s a loan that does.
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Bank-statement loan
Qualify on 12–24 months of deposits — your write-offs don’t shrink the income that counts.