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A non-QM loan is a loan that deviates from standard documentation requirements. As a Hawaii Mortgage Broker we have access to a wide variety of non-QM loan products.
Here are some examples of various non-QM loan products and how their documentation differs from standard:
Bank Statement Income – Bank statement deposits are used as income
Asset for Income – Assets are used as income based on a lender formula
Rent Covers Debt – The loan is approved based on rental income covering the property costs
No Income – Down payment and credit profile are used to approve the loan
Non-QM loans can include unique options such as:
Non-QM loans are also available on unique properties such as condotels and other non-warrantable condos.
It is best to find a reputable Hawaii mortgage broker when seeking a non-QM loan product here in Hawaii. There are hundreds of non-QM lenders out there. Make sure you having someone casting a wide net to find you the best product and rate for your unique situation. Most of our loan officers are available 7 days a week if you have questions about your specific scenario.
C2 Financial Corporation is a Hawaii State NMLS Licensed MLOC: NMLS #135622, C2 Hawaii NMLS#1244222. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of Hawaii.
