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.
North Carolina has two distinct Non-QM stories that run simultaneously. Story 1 — The primary residence borrower in Charlotte or Raleigh: The banking and technology
Frequently Asked Questions Should I use 12 or 24 months of bank statements for my mortgage? It depends on your income trajectory. If income has
Frequently Asked Questions What exactly is a bank statement loan? A bank statement loan is a Non-QM mortgage that verifies income using 12 or 24
Frequently Asked Questions Why is 2025–2030 a particularly good time for self-employed carpenters to buy real estate? AI data center capital commitments from Microsoft, Google,
Frequently Asked Questions What Non-QM loan programs are available for self-employed carpenters? The three primary programs are: bank statement loans (qualify on 12–24 months of
Frequently Asked Questions Can a self-employed carpenter use a cash-out refinance to buy equipment? Yes. There are no restrictions on the use of cash-out refinance
The conventional mortgage was designed for one type of American worker. It does its job. The problem is the tens of millions of Americans it
Frequently Asked Questions How does a 1099 mortgage loan work for a carpenter? A 1099 loan uses gross 1099 contractor earnings from the past 12
Frequently Asked Questions Why does my tax return show lower income than I actually earned as a carpenter? Your tax return reflects net taxable income
Frequently Asked Questions Can a carpenter working on data center projects get a mortgage despite write-offs? Yes. A bank statement loan uses actual bank deposits
