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.
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 Can I get a bank statement loan if I’ve only been self-employed for one year? Some programs are available at 12 months
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 Can my CPA reduce my expense ratio below 30% for a bank statement loan? Quick Answer: Some programs accept expense ratios as
Frequently Asked Questions Can I buy a rental property if my tax return shows very low income? Quick Answer: Yes. A DSCR loan does not
Frequently Asked Questions How do lenders verify that bank statement deposits are from my business? Underwriters review deposits for consistency with documented business activity. Deposits
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
Frequently Asked Questions I’m a self-employed electrician — why did the bank decline my mortgage when I earn good income? Conventional banks qualify income using
