Your Local Non-QM Mortgage
Specialist
States Licensed in Pensylvania, Florida and Iowa
Home and investment property loans for self-employed borrowers,
real estate investors, and anyone the big banks turn away.
Personalized Non-QM Experience
Robert Love specializes in Non-QM lending, the loan products designed for borrowers who do not fit the conventional mold. Whether you are self-employed, paid through 1099s, growing a real estate portfolio, or rebuilding after a past credit event, we shop multiple wholesale lenders to find the program and rate that fit your actual financial picture.
Tax returns that do not tell your full story should never cost you the property you want. We qualify borrowers using bank statements, rental income, assets, and other common-sense documentation, all backed by wholesale pricing and technology that keeps the process fast and transparent.
Trust a specialist who focuses on the loans other lenders avoid. Let us help you close on your next home or investment property.
The Non-QM Loan Process
Get Pre-Qualified Talk with a
Non-QM specialist
We match you to the right program and show you what you qualify for, with no tax returns required for many of our products.
Find Your Property
Whether it is your next home or an investment property, work with a trusted real estate agent to find the right fit. DSCR and investor purchases are welcome.
Submit Your Application
Complete your application and let us guide you through underwriting. We handle the heavy lifting and keep you updated all the way to closing.
Don't take my word for it
Non-QM Programs
Mortgage solutions built for self-employed borrowers, investors, and complex financial situations, right here in Panama City Beach, Florida.
Loan Options That Actually Fit You
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Bank Statement Loans
DSCR Loans (Investor Loans)
Equity Xcellarator Loan
Reverse Mortgage
Frequently Asked Questions
What is a Non-QM loan?
Non-QM stands for Non-Qualified Mortgage. These loans do not follow the strict documentation rules of conventional mortgages, which makes them a fit for self-employed borrowers, investors, and others with non-traditional income. Non-QM does not mean high risk; it means flexible qualification.
Can I get a mortgage if I'm self-employed?
Yes. Many of our self-employed clients qualify using bank statements or a profit and loss statement instead of tax returns, so business write-offs do not work against you.
Can I qualify using my bank statements instead of tax returns?
For most of our bank statement programs, yes. We review 12 to 24 months of deposits to calculate your qualifying income. No tax returns or W-2s needed.
Can I get a loan based on my rental property's income?
Yes, through a DSCR loan. We qualify the loan based on whether the property's rent covers the payment, so your personal income often is not part of the equation.
Can I get a mortgage after a recent bankruptcy or foreclosure?
Often, yes. Several Non-QM programs allow financing with little or no waiting period after a credit event, while conventional loans may require years.
Are Non-QM rates higher than conventional rates?
Non-QM rates are typically a bit higher because the qualification is more flexible. For many borrowers, access to financing now outweighs waiting, and we shop multiple lenders to secure the most competitive pricing available for your profile.
How much down payment do I need for a Non-QM loan?
Down payment requirements vary by program and credit profile and are generally higher than minimum conventional options. We will review your scenario and show you the exact figure during your qualification review.
Can foreign nationals buy property in the US?
Yes. Our foreign national programs help non-US citizens purchase a home or investment property, often without US credit or income documentation.
Can I refinance an investment property or take cash out?
Yes. We offer rate-and-term and cash-out refinancing on investment and non-owner-occupied properties through our DSCR and investor programs.
How long does a Non-QM loan take to close?
Timelines vary, but many Non-QM loans close within a few weeks. Because we use wholesale lenders and streamlined documentation, the process is often faster than borrowers expect.
Most Recent Blog Updates
Being Told You Do Not Qualify for a Mortgage Does Not Always Mean You Cannot Qualify and Here Is Why
The Distinction That Changes Everything About a Mortgage Denial
If you were told you do not qualify for a mortgage the reason might not be what you think. Nicole, business development manager working alongside Robert Love mortgage advisor, wants to reframe that conversation because one of the most important lessons in this business is that you do not qualify and you cannot qualify are not the same statement.
Why the Program Matters As Much As the Finances
A mortgage denial does not evaluate a borrower in the abstract. It evaluates a borrower against a specific loan program with specific guidelines. Change the program and the entire evaluation changes. The finances that disqualify someone under one set of guidelines may qualify them clearly under a different set designed for a different borrower profile.
This is where the conversation most borrowers never have becomes the one that matters most. Did the lender who said no look at every option available? Or did they run the application against the conventional guidelines they work with most often and stop there when those guidelines produced a denial?
Who This Matters Most For
Business owners. Self-employed borrowers. Real estate investors. These are the borrowers whose financial profiles most frequently do not fit the traditional mortgage guidelines built around W-2 income and two years of straightforward tax returns. A business owner whose tax returns show aggressive deductions may look income-poor on paper while generating strong actual cash flow. A self-employed borrower whose income structure is complex may be turned away by a lender who does not have access to bank statement loan products. A real estate investor whose personal income is secondary to the cash flow of their properties may need a DSCR evaluation rather than a conventional one.
The income is real. The qualification is achievable. The missing piece is the right program evaluated by the right lender.
What Nicole's Response Is When Someone Says They Were Already Turned Down
Okay. Did they look at every option? That is the immediate question because one lender saying no does not close the conversation. It means that one lender, using the programs they had access to, did not find a fit. Robert Love works with different loan programs and different qualification structures specifically to serve borrowers whose situations do not fit the standard box.
If you were turned down reach out directly. Nicole and Robert are here to guide you through what was actually evaluated and whether other options remain on the table. The answer may still be no. But it may also be that nobody has asked the right question for your specific financial situation yet.
Message Robert Love directly to start that conversation. Gracias.
Sources
ConsumerFinancialProtectionBureau.gov
FannieMae.com
MortgageNewsDaily.com
NationalMortgageProfessional.com
Investopedia.com
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