What Does Non-QM Mean for You?
Non-QM means non-qualified mortgage. These programs offer different documentation or qualification paths from standard mortgage options. The fit depends on your finances, property and the specific product.
Adam can review both traditional and Non-QM options with you. Being self-employed or having an unusual income situation does not automatically mean you need a Non-QM loan.
Find Your Starting Point
Choose the situation closest to yours. You do not need to decide on a program before talking with Adam.
Build Your First Homebuying Plan
Start with your monthly budget, down payment options and the documents for preapproval.
Get Pre-Approved with Adam ↗Explore freely. A full application and underwriting review determine available terms.Other Documentation Options
- ITIN Loans
- For eligible borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number. Identity and income documentation still apply.
- Foreign National Loans
- CCM lists financing for eligible buyers living abroad who want a U.S. vacation home or investment property.
- Written Verification of Employment
- A WVOE program uses an eligible employer’s written verification. Adam can check whether your employment and documentation fit.
- Full Documentation Non-QM
- An option that uses full documentation while addressing a situation outside standard program guidelines.
Build the Full Loan Plan
Different documentation can create more options. It can also mean a different down payment or rate. Ask Adam to put the payment, closing cash and reserves together for the specific product.
- Confirm the property use: primary home, second home or investment.
- Review the required down payment, credit history and funds to keep after closing.
- Ask about loan term, payment changes and any prepayment terms.
- If you want assistance, check whether it is allowed with that mortgage. Do not assume state DPA can be paired with Non-QM.
Start with a Conversation
Tell Adam How You Earn and What You Want to Buy
Share your buying state, property plans and how you document income or assets. Adam can help narrow the options and explain what to prepare.
Review My Homebuying Options
Get help connecting your budget, down payment and loan choices. Leave a short request for Adam to review.
Prefer to talk? Call 304.268.8864Questions Buyers Ask
Does Non-QM mean no income review or guaranteed approval?
No. The program changes how finances are evaluated; credit, funds, property and underwriting requirements still apply. A full review is needed.
Do all of my bank deposits count as income?
No. The source of deposits, business expenses, account ownership and program rules affect qualifying income. Ask Adam to review your records.
Can I use DSCR to buy the home I will live in?
No. The DSCR option described here is for an investment property. Adam can review other documentation paths for a primary home.
Can I discuss these options before I have a property?
Yes. Start with your buying state, budget, property use and income situation. Availability and terms are confirmed for the specific loan.
CCM Program Information
Published program descriptions checked October 14, 2026. Availability, state coverage and current requirements vary by product; confirm them with Adam. These summaries are educational, not an approval or rate offer.