What Is an Alternative Income Mortgage?
Not every borrower fits inside traditional lending guidelines.
If your tax returns don’t accurately reflect your true income, a Non-QM (Non-Qualified Mortgage) loan may provide a better financing solution.
Instead of relying solely on tax returns, many Non-QM programs allow borrowers to qualify using alternative forms of income documentation, making homeownership possible for self-employed professionals, business owners, freelancers, retirees, and investors.
Which Option Is Right For You?
Bank Statement Loans
Ideal for business owners and self-employed borrowers who deposit regular income into personal or business bank accounts.
CPA Profit & Loss Loans
Use a CPA-prepared Profit & Loss Statement, along with supporting documentation, instead of tax returns on eligible programs.
Asset Utilization Loans
Qualify using retirement accounts, investment portfolios, savings, or other eligible assets instead of traditional employment income.
1099 Income Loans
Designed for independent contractors, freelancers, and commission-based professionals who receive 1099 income.
Why Choose an Alternative Income Loan?
- No traditional tax return qualification on many programs
- Flexible income documentation
- Self-employed borrowers welcome
- Purchase, refinance, and cash-out options
- Primary, second homes, and investment properties
- Loan amounts from standard to Jumbo
- Competitive fixed-rate options
- Personalized financing strategy
Why Work With Me?
Finding the right Non-QM loan isn’t about fitting into one lender’s guidelines - it’s about finding the lender whose guidelines fit your financial situation.
As an independent mortgage broker, I compare loan options from over 100 wholesale lenders to help self-employed borrowers and alternative income earners find competitive financing based on their unique circumstances.
When you work with me, you’ll receive:
- Access to over 100 wholesale lenders
- Personalized loan strategy
- Competitive wholesale pricing
- Fast pre-approvals
- Clear communication from application to closing
- Guidance every step of the way
