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Non-QM Loans

Lending Solutions for the Self-Employed & Investors

Solutions for Unique Income Situations

At Heartland Mortgage Corp., we know that real life doesn't always fit into a standard checkbox. If you are self-employed, an investor, or have complex income streams, traditional bank loans often fail to capture your true financial strength. That is why we offer Non-QM (Non-Qualified Mortgage) Loans—flexible mortgage options designed for borrowers who live outside the "9-to-5" box.

These loans look beyond the standard W-2 requirements used by big banks. Instead of focusing solely on tax returns that may not reflect your actual cash flow, we use alternative methods to verify your income. Whether you are buying a new home in New York, New Jersey, or Florida, or refinancing an investment property, our goal is to make the mortgage process easy, personal, and successful for you.

Program Highlights & Flexible Options

We provide a wide array of lending tools tailored to your specific financial picture. You do not need perfect credit or a standard pay stub to qualify for a competitive rate.

  • Bank Statement Loans: Perfect for business owners and freelancers. We calculate your income based on 12 to 24 months of personal or business bank deposits rather than tax returns.
  • DSCR (Investor Cash Flow) Loans: A game-changer for real estate investors. Qualify based on the rental income the property generates, not your personal income.
  • Asset Depletion / Asset Qualifier: High-net-worth individuals can qualify by using their liquid assets (stocks, savings, retirement accounts) as income, without needing employment verification.
  • 1099 Income Loans: Designed for independent contractors, gig workers, and realtors who want to use their 1099 forms to demonstrate earning power.
  • P&L Only Loans: Small business owners can qualify using a CPA-prepared Profit & Loss statement.
  • Foreign National Loans: Financing solutions for non-U.S. citizens looking to purchase vacation or investment properties in the U.S.
  • ITIN Loans: Homeownership opportunities for borrowers who do not have a Social Security Number but possess an ITIN.

Who Is This For?

Non-QM loans are specifically built for responsible borrowers who have the ability to repay but lack the traditional documentation required by government-backed loans. This is an ideal solution for:

  • Self-Employed Professionals: Consultants, business owners, and freelancers whose tax write-offs lower their "on paper" income.
  • Real Estate Investors: Landlords looking to expand their portfolio without dealing with personal DTI (Debt-to-Income) constraints.
  • Retirees: Individuals with significant assets but lower monthly income.
  • Complex Credit Profiles: Borrowers with credit events (like a past bankruptcy or foreclosure) who have since re-established their financial stability.

Get Started Today

Don’t let a unique income situation stop you from achieving your homeownership goals. At Heartland Mortgage Corp., we specialize in finding the "Yes" where others see a "No."

Contact us today to discuss your scenario and find the right solution for you.