Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
The gig economy has created tens of millions of independent workers — Uber drivers, DoorDash couriers, Amazon Flex delivery drivers, Instacart shoppers, TaskRabbit providers —
Both programs skip tax returns. Both serve self-employed borrowers. The question is which produces more qualifying income for your specific income documentation. Head-to-Head: Same Income,
Both 12-month and 24-month qualifying periods are available. The decision determines your qualifying income — and can mean hundreds of thousands of dollars in qualifying
Credit Score 640 minimum. 660 for 85% LTV (15% down). 720+ for best pricing. The single most important number to confirm before identifying a target
Your clients already reported what they paid you to the IRS. Every 1099-NEC filed by every company that hired you this year is sitting in
Frequently Asked Questions What makes Mbanc different from other Non-QM lenders? Mbanc is consumer-direct — no broker markup — and specializes exclusively in Non-QM products
Frequently Asked Questions Does a 1099 mortgage require me to show my Schedule C or tax return? Quick Answer: No. A 1099 loan qualifies entirely on
Frequently Asked Questions What is the maximum loan amount I can get on a bank statement mortgage? Most Non-QM bank statement programs go up to
Frequently Asked Questions Is a Non-QM mortgage the same as the risky no-doc loans I’ve heard about from before 2008? No. Pre-2008 no-doc loans required no
Frequently Asked Questions Why do conventional banks make it so hard for me as a self-employed person to get a mortgage? Conventional mortgage guidelines require
