Innovative Lending for Unique Financial Situations
Non-QM Loans are designed for borrowers who don’t meet traditional lending guidelines. Whether you’re self-employed, own multiple properties, or have irregular income streams, these loans offer flexible options beyond the standard criteria.
No Traditional Income Verification Required
With Non-QM Loans, you can qualify using alternative documentation like bank statements, asset depletion, or rental income. This allows individuals with non-traditional income to access home financing without the roadblocks of standard underwriting.
Ideal for Self-Employed & Gig Economy Workers
If you’re a freelancer, contractor, or business owner in Florida, Non-QM Loans give you access to financing based on how you truly earn. At Home Haven Lending, we evaluate your full financial picture, not just a W-2.
Benefits of Non-QM Loans:
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Perfect for self-employed or non-traditional earners
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Alternative documentation accepted (bank statements, assets, etc.)
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Flexible credit guidelines and higher debt-to-income ratios
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Customized loan terms including interest-only or extended amortizations
Tailored Loan Structures to Fit Your Needs
Non-QM Loans provide customized solutions—such as interest-only payments, extended loan terms, and higher debt-to-income allowances—giving you the flexibility to structure your mortgage to fit your long-term strategy.
Why Choose Home Haven Lending
At Home Haven Lending, we believe that every borrower deserves personalized, transparent, and expert guidance throughout their home financing journey. We go beyond one-size-fits-all solutions—offering a full suite of loan programs including FHA, VA, Conventional, DSCR, Bank Statement, Home Equity, Non-QM, and No Income Verification Loans tailored to your financial goals.
We are known for
"FAQs"
The right loan depends on your financial goals, credit profile, and income documentation. For example, FHA loans are great for first-time buyers, VA loans are exclusive to veterans, and DSCR or Bank Statement loans work well for self-employed borrowers. Our experts at Home Haven Lending will guide you based on your unique situation.
Yes! We offer Bank Statement Loans and No Income Verification Loans that are specifically designed for self-employed individuals or business owners who may not have traditional proof of income but can demonstrate strong financial stability.
Absolutely. FHA and VA loans often come with low or no down payment requirements. Depending on your eligibility, we’ll help you find the most affordable financing solution available.
Non-QM (Non-Qualified Mortgage) loans are for borrowers who don’t meet conventional lending guidelines. These are ideal for those with irregular income, recent credit events, or unique investment goals. If traditional banks have turned you down, this could be your solution.
The timeline varies by loan program, but most of our clients close within 2 to 4 weeks. No Income Verification and Bank Statement loans often process faster because of reduced documentation requirements.
Expanded Approval Opportunities
Traditional lenders may turn down applicants who are recently out of bankruptcy, have foreign income, or own multiple investment properties. Non-QM Loans open doors for these borrowers, helping them achieve homeownership without strict constraints.
