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 Which is better for a self-employed electrician — a 1099 loan or a bank statement loan? It depends on your income structure.
Non-QM loans require larger down payments than conventional FHA or first-time buyer programs — but they come with one significant advantage that conventional doesn’t offer
Frequently Asked Questions Can I combine multiple 1099 sources to qualify for a mortgage? Yes. All 1099-NEC income from all sources is combined and averaged
Frequently Asked Questions What is a 1099 loan for independent contractors? A 1099 loan is a Non-QM mortgage that qualifies income using gross 1099 contractor
Non-QM loan requirements share a common framework across all programs — with program-specific variations in income documentation and LTV. Here are the confirmed Mbanc requirements
Frequently Asked Questions I just went self-employed as a tradesperson — when can I get a bank statement loan? Most bank statement loan programs require
Frequently Asked Questions Should I use my business or personal bank statements for a mortgage? It depends on how your income flows and what your
Atlanta’s economy produces Non-QM borrowers across self-employment, real estate investment, independent contracting, and high-net-worth retirement profiles. Cherokee County (0.90–1.10%) and Forsyth County (1.0–1.2%) are the
Frequently Asked Questions What credit score do I need for a bank statement loan in 2025? Most bank statement loan programs start at a minimum
Frequently Asked Questions How do lenders calculate income on a bank statement loan? Lenders total all eligible deposits over 12 or 24 months, divide by
