Non-QM

A purchase that requires creative financial solutions.

Conforming Loan

A Non-Qualified Mortgage (Non-QM) is a home loan that does not currently comply with the Consumer Financial Protection Bureau’s existing rules on Qualified Mortgages. This program offers alternative methods of qualification for borrowers that might be struggling with some of the items listed below:

  • High debt ratio.

  • Blemish on FICO scores due to unforeseen circumstances.

  • Self-employed for less than 2 years.

  • Low income on tax returns.

  • Investment property loans based on cash-flow.

  • Loans based on business cash-flow.

  • Recent financial hardship including bankruptcy or foreclosure.

Conforming Loan

To find out if you qualify for this mortgage program, get in touch with your AMEC loan expert today.