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We provide a diverse selection of alternative loan options designed to meet the needs of all kinds of homebuyers. Discover our Non-QM mortgage solutions and get pre-approved today.
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Non-QM loans are built for flexibility, making them a powerful option for borrowers who don’t fit traditional lending rules. Here are the key advantages:
You can qualify using bank statements, assets, or rental income instead of standard tax returns and W-2s—ideal for self-employed borrowers.
You can qualify using bank statements, assets, or rental income instead of standard tax returns and W-2s—ideal for self-employed borrowers.
Non-QM programs often allow larger loan limits, helping you purchase higher-value properties or expand your investment portfolio.
Even with past credit events like bankruptcy or foreclosure, you may still qualify—offering a second chance at homeownership.
Choose from interest-only payments, DSCR loans, asset-based loans, and other flexible structures tailored to your needs.
With fewer rigid requirements, many Non-QM loans offer a quicker and more streamlined approval process.
A Non-QM (Non-Qualified Mortgage) loan is a type of home loan designed for borrowers who don’t meet the strict guidelines of traditional mortgages backed by agencies like Fannie Mae and Freddie Mac.
Instead of relying only on standard documents like W-2s and tax returns, Non-QM loans allow alternative ways to verify income and financial stability.
With a Non-QM loan, lenders take a more flexible approach to approval. They may evaluate:
Non-QM loans are ideal for:
Our team of licensed loan officers is here to help guide you through your options based on your unique situation.
This website provides information only and does not guarantee credit or loan approval. Dates and information are subject to change without notice. All loan products are subject to credit approval.
Prime Choice Funding, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA or the Federal Government.
By submitting the form on this website or contacting us by phone, text, or email, you consent to be contacted by Prime Choice Funding, Inc. via phone, email, and text, including via automated technology where permitted. Message and data rates may apply. Consent is not required to obtain credit or services. Reply STOP to opt out; HELP for help. If you have questions, call 877-787-7463 or email info@primechoicefunding.com. Calls may be monitored or recorded for quality and training.
Prime Choice Funding, Inc. • 1 Corporate Park, Suite 200 Irvine, CA 92606 • NMLS ID 117375 • NMLS Consumer Access • Equal Housing Opportunity
This is not a commitment to make a loan. All approvals are subject to creditworthiness, underwriting guidelines, satisfactory title, and appraisal. Minimum/maximum loan amounts apply; not all applicants will qualify. Final decisions are subject to lender approval and may require additional documentation. Prime Choice Funding, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA, or the Federal Government. See our Privacy Policy, Terms of Use, SMS Terms, and Licensing.
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