Non-QM (non-qualified mortgage) loans provide flexible financing options for borrowers who may not meet traditional lending criteria.
Finding a great home loan involves careful consideration of your needs, finances, and history. Our team at The Doce Mortgage Group works closely with South Florida citizens who want to make the most of available non-QM loans in Florida. Learn more about the process of getting a non-qualified mortgage loan below, and contact us today for a free quote.
A non-qualified mortgage (Non-QM) loan is a type of home loan that doesn’t adhere to the strict guidelines set by the CFPB for “qualified” mortgages. That means lenders have more flexibility when it comes to reviewing your finances. They aren’t bound by the traditional income or credit documentation required for conventional loans when determining your eligibility. In other words, non-QM loans are for borrowers whose financial situations don’t fit the typical mold but who are still fully capable of repaying a mortgage.
With a non-QM loan, you can refinance or purchase a home in South Florida, even if you don’t qualify for a conventional mortgage.
These loans offer a range of benefits, including options for high debt-to-income ratios, non-standard income documentation, and more.
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Step 1: Find Out If You’re Eligible
Head to our section on non-QM loan requirements to see if you might be eligible, or contact Alex Doce for one-on-one assistance.
Step 2: Evaluate Your Financial Situation
Understand your income, assets, credit history, and overall ability to repay the loan.
Step 3: Analyze the Loan Types and Make a Selection
Select the loan type that best fits your situation, such as bank statement loans, asset-based loans, or interest-only loans.
Step 4: Evaluate Non QM Lenders in Florida
Work with a lender or broker experienced in Non-QM loans (like us!) who can walk you through the entire process, explain your options to you, and help you find the best deal.
Step 5: Gather and Submit Documentation
Provide your alternative income documentation, like bank statements, asset information, or other financial records.
Step 6: Complete Your Loan Application
Complete the loan application. The lender will review your information, credit history, and financial stability, and get back to you on the status of your application.
Step 7: Finalize the Details
Review the loan terms, including the proposed interest rate, repayment structure, and any fees involved. Then, sign the paperwork and proceed.
Alex Doce NMLS 13817.
The Doce Group NMLS 2638131.
For licensing information, go to: www.nmlsconsumeraccess.org.
Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and underwriting criteria.
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