How Non-QM Loans Are Opening Doors for First-Time Buyers With Unique Incomes
For many first-time buyers in Southern California, the dream of owning a home can feel out of reach, not even because they can’t afford it, but because their income doesn’t fit a traditional mold. Maybe you’re self-employed, a freelancer, or a contractor with...
Why Non-QM Loans Are Perfect for Tech Entrepreneurs and Freelancers
Your career path shouldn’t dictate whether you can own a home, but sometimes it may feel like it does. The way people work has changed, especially in Southern California’s thriving tech and creative sectors, making non-qm loans a new go to option for tech...
Non-QM Loans vs Conventional Mortgages: Which One Fits Your Financial Profile?
Not every qualified buyer fits neatly into the traditional lending box such as a conventional mortgage. That’s why Non-QM (Non-Qualified Mortgage) loans have become an increasingly popular choice across Southern California, especially for self-employed professionals,...
Today’s Non-QM Loans Are Nothing Like the Pre-2008 Subprime Mortgages
For many homebuyers, especially those who lived through the 2008 housing crisis, the term “non-QM loan” can sound risky. It echoes memories of the subprime loans that contributed to the housing bubble and financial collapse. But here’s the truth: today’s non-QM loans...
The Entrepreneur’s Guide to Qualifying for a Mortgage Without a Traditional W-2
Being an entrepreneur and owning a business comes with incredible freedom — but when it comes time to buy a home, that independence can make things complicated. Traditional lenders rely heavily on W-2 income and pay stubs, leaving many self-employed buyers in Southern...
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