Non-QM loan · North Carolina
Non-QM Loans in North Carolina
Bank-statement, P&L, asset-depletion, and 1099-only loans for self-employed NC borrowers and investors who don't fit the agency box.
Non-QM (non-qualified mortgage) loans are a category of mortgages that use alternative documentation. Bank statements instead of tax returns. 1099 income instead of W-2s. Asset depletion instead of paystubs. They're built for the modern self-employed economy.
Key features of Non-QM loans
- 12 or 24-month bank-statement programs
- Profit-and-loss only programs (CPA-prepared)
- 1099-only programs for contractors and gig workers
- Asset-depletion programs for retirees with savings
- Foreign-national programs
- ITIN borrower programs
Who this is ideal for
Self-employed business owners, real estate investors, retirees, foreign nationals, and anyone whose tax returns understate their real income.