Non-QM loan

Non-QM Loans – Flexible Financing for Unique Borrowers

Not every borrower fits the mold of traditional mortgage guidelines — and that’s where Non-QM (Non-Qualified Mortgage) loans come in. At Rami Dalal with Nexa Mortgage, we understand that financial situations vary, and we’re proud to offer solutions that are tailored to meet the needs of self-employed individuals, investors, and others who may not meet conventional loan standards.

What Is a Non-QM Loan?

A Non-QM loan is a type of mortgage designed for borrowers who don’t meet the strict income documentation or credit requirements of conventional loans. These loans provide greater flexibility in underwriting and approval, without relying solely on tax returns, W-2s, or standard debt-to-income ratios.

Who Can Benefit from a Non-QM Loan?

Non-QM loans are ideal for:

  • Self-employed individuals with fluctuating or hard-to-document income

  • Real estate investors looking for alternative qualification methods

  • Retirees or high-net-worth individuals with significant assets but limited income

  • Borrowers with recent credit events such as bankruptcies or foreclosures

  • Foreign nationals seeking to purchase property in the U.S.

Key Features of Non-QM Loans:

  • Alternative income verification methods (bank statements, asset depletion, etc.)

  • Flexible credit requirements

  • Loan options for primary residences, second homes, and investment properties

  • Interest-only payment options available

  • Higher debt-to-income ratios accepted in some cases

Why Choose Rami Dalal for Your Non-QM Loan?

With years of experience and access to a broad network of Non-QM lenders, Rami Dalal with Nexa Mortgage is committed to finding the right financing solution for your unique situation. We take the time to understand your financial goals, provide honest guidance, and make the mortgage process as smooth and stress-free as possible.

Whether you’re a self-employed professional or a seasoned investor, our team will work closely with you to tailor a loan program that aligns with your needs and long-term plans.

Get Started Today

You don’t have to fit into a traditional box to get the financing you deserve. Let’s explore your options together.

📞 Call: (901) 387-6398‬
📧 Email: rdalal@nexamortgage.com
📍 Visit: Memphis, TN 38117