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Specialty Program

Non-QM Loan

Flexible underwriting outside the box.

Overview

Non-QM loans use flexible underwriting outside standard qualified-mortgage rules, useful for unique income situations, credit events, or asset-based qualification.

Ideal For

Borrowers who don't fit standard underwriting boxes but can still show ability to repay.

Program Highlights

  • ✓Alternative income documentation accepted
  • ✓More flexibility after a recent credit event (bankruptcy, foreclosure)
  • ✓Asset-depletion qualification available

Program terms and eligibility are subject to underwriting guidelines and may vary. 1st 2nd Mortgage Co. of N.J., Inc. is licensed in DE, VA. NMLS # 115981.