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.
Lends to borrowers with an ITIN and no Social Security number, accepting alternative credit (rent, utilities) where there's no traditional FICO score.
A bank-statement program with a lower credit floor for borrowers rebuilding credit, in exchange for a larger down payment and a higher rate.
An ITIN program that qualifies self-employed borrowers on business deposits, available across an expanded set of states with alternative credit.
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.
Qualifies an investment property on its own rental cash flow (debt-service-coverage ratio) — no personal income documents required.
Uses personal-account deposits for borrowers who run most income through a personal account. Higher expense factor than business programs, but expands access.
Accepts a single year of self-employment returns instead of the usual two — built for newer businesses with a strong recent year.
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.
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.