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Non-QM Loan Programs

More Options. More Opportunities.

Not every borrower fits inside the traditional lending box. Vision One Mortgage offers a broad range of Non-QM financing solutions designed for self-employed borrowers, real estate investors, and borrowers with unique income or financial profiles.

Our flexible programs can help you find financing solutions for scenarios that may not meet traditional Agency guidelines.

Non-QM Program Highlights

  • Bank Statement / Alternative Documentation Qualify eligible self-employed borrowers using personal or business bank statements rather than traditional income documentation.
  • DSCR – Debt Service Coverage Ratio Designed for real estate investors, with qualification based primarily on the property's rental income and cash flow rather than the borrower's personal income.
  • Asset Depletion Allows eligible borrowers to use qualifying assets as a source of income for loan qualification.
  • 1099 Income Programs Flexible income qualification options for eligible independent contractors and borrowers receiving 1099 income.
  • Full Documentation Non-QM Solutions for borrowers who can fully document income but may fall outside traditional Agency lending guidelines.
  • Written Verification of Employment (WVOE) Alternative income documentation options may be available for qualifying wage earners.
  • 40-Year Fully Amortizing Options Extended loan terms may be available to help provide greater payment flexibility.

Built for Borrowers Who Don't Fit the Traditional Box

Non-QM financing may provide options for:

  • Self-employed business owners
  • Real estate investors
  • Independent contractors and 1099 earners
  • Borrowers with significant assets
  • Borrowers with complex income streams
  • Borrowers who may not qualify under traditional Agency guidelines

Have a Unique Loan Scenario?

Our team can help identify the right program for your borrower and guide you through the available options.

Submit a Scenario | Contact Our Team

Programs, rates, terms, loan amounts, documentation requirements, and eligibility are subject to change without notice. All loans are subject to applicable underwriting guidelines and borrower qualification. Additional restrictions may apply.