Bank Statement Loans:
Designed for self-employed borrowers who don’t have traditional W-2s or tax returns. Lenders qualify income based on 12–24 months of personal or business bank statements.
DSCR (Debt-Service Coverage Ratio) Loans:
Tailored for real estate investors. Approval is based on the rental income of the property covering the mortgage payment—no personal income verification needed.
Interest-Only Loans:
Borrowers pay only the interest for an initial period, lowering early payments. Useful for investors or those with fluctuating income who plan to refinance or sell before the interest-only period ends.
Recent Credit Event Loans:
For borrowers with recent bankruptcies, foreclosures, or short sales. These loans have more lenient waiting periods than conventional options.
Foreign National Loans:
Made for non-U.S. citizens investing in U.S. real estate, typically without U.S. credit or income documentation.
Flexible Non-QM Mortgage Options When Traditional Qualification Falls Short
Many borrowers who don’t fit standard lending profiles are often told they don’t qualify for a mortgage — even when they have solid income and strong financial standing. Non-QM (Non-Qualified Mortgage) loans are designed for these unique situations. At StratoBridge Lending, our non-QM mortgage solutions help self-employed professionals, real estate investors, and borrowers with non-traditional income sources secure financing without the strict documentation requirements of conventional loans. Whether you’re relocating to a new city in Texas, Pennsylvania, or Colorado or transitioning from rental to ownership, our team works with you to structure a loan that matches your financial reality.
Mortgage Solutions for Self-Employed, Investors, and Complex Financial Profiles
Non-QM loans are especially valuable for borrowers with complex financial profiles — such as self-employed individuals, commission-based earners, or those with recent bank statements showing strong cash flow but limited tax deductions. Unlike traditional mortgages, non-QM programs look beyond common qualifying metrics to assess your true ability to repay. At StratoBridge Lending, we guide applicants through the process, helping you understand documentation flexibility, payment structures, and strategic planning to support approval. This approach is especially beneficial in competitive markets across Texas, Pennsylvania, and Colorado, where flexible underwriting can open doors to purchase or refinance opportunities.
Navigating non-QM mortgages can feel overwhelming — but you don’t have to go it alone. At StratoBridge Lending, we pride ourselves on clear communication and personalized service. Our loan officers walk you through each phase of the non-QM process, from initial consultation and document review to underwriting and closing. We help you evaluate loan features, interest rate options, and repayment terms so you can make confident decisions about your home or investment property financing. If you’re exploring mortgage solutions in Texas, Pennsylvania, or Colorado that go beyond traditional qualification standards, our team is ready to support your goals.
