One of the primary benefits of a non-QM loan is that it allows buyers with low credit scores to purchase a home. They require less proof of income for people who are self-employed, run their own businesses, or work non-traditional jobs. Non-QMs are also almost as easy to apply for as a traditional loan.

不查收入貸款的主要好處之一是它允許信用評分較低的買家購買房屋。對於自僱人士、經營自己的企業或從事非傳統工作的人，他們需要較少的收入證明。非 QM 也幾乎和傳統貸款一樣容易申請。

 

A non-QM is a good idea when you have the income to make regular, on-time mortgage payments, but cannot get a qualifying mortgage.

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Imagine that you own a contracting business. Some months, your income is high and others, only a little goes into your bank account. You have no way of knowing exactly how much you will earn from year to year. But you don’t have trouble paying your bills, your credit score is high, and you have money in the bank. Even though your finances are healthy, you cannot tick the "income verification" box required for a qualified mortgage. That's where a non-QM comes in.

當您有收入可以定期按時還款，但無法獲得合格的抵押貸款時，不查收入貸款計劃是個好主意。

想像一下，您擁有一家承包業務。有些月份，您的收入很高，而其他月份，只有一點點存入您的銀行賬戶。你無法確切地知道你每年能賺多少錢。但是你支付賬單沒有問題，你的信用評分很高，而且你在銀行里有錢。即使您的財務狀況良好，您也無法勾選合格抵押貸款所需的 “收入驗證” 框。這就是不查收入的用武之地。

PORTFOLIO PRODUCTS

-  Alt-Doc Products that Fit More Borrower's Needs When They Cannot Qualify Using Standard Full Doc programs

-  Loan Amounts to $10MM

-  Flexible Assets Documentation options

-  Cash out proceeds can be used for reserves on most products

-  More flexible reserves requirements

-  Fixed, ARM & interest only options available depending on program

-  No 4506-C or Tax returns

-  Flexible waiting periods on negative credit events

-  Perm/Non-Perm and Foreign Nationals 

-  Some of the best Alt Doc rates in the industry available

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