Flexible MortgageSolutions
Non-QM loans designed for self-employed borrowers, investors, and unique financial situations. Get approved without traditional income documentation.
What is a Non-QM Mortgage?
A Non-QM (Non-Qualified Mortgage) is a flexible loan option for borrowers who don't meet traditional mortgage guidelines but can qualify using alternative methods that don't require tax returns.
Qualification Methods
Multiple ways to qualify for your mortgage
Bank Statement Loans
Qualify using personal or business bank deposits instead of traditional income documentation.
Profit & Loss Statements
Use P&L statements instead of tax returns to demonstrate your business income.
Asset-Based Lending
Qualify using your savings or investment portfolio rather than traditional income verification.
VOE-Only Loans
Verify employment only — great for tipped workers with cash income who can't document full earnings.
Foreign National Loans
ITIN-based mortgage solutions without requiring U.S. credit history or Social Security numbers.
DSCR Loans
Qualify based on property's rental income potential — perfect for investment properties.
Specialty Programs
Unique solutions for unique situations
Interest-Only Loans
Lower monthly payments with more cash flow flexibility for strategic financial management.
Investor DSCR
Qualify based on rental property income, not personal income — ideal for real estate investors.
Non-Warrantable Properties
Financing for non-warrantable condos or properties in litigation when others can't help.
Special Circumstances
Options for borrowers with recent credit events, foreign nationals, and unique situations.
Your Real Financial Picture Matters
At Equitable Lending, we work with your real financial picture — not just what's on paper. We understand that traditional documentation doesn't always reflect your true ability to repay a loan.
Why Choose Non-QM with Equitable Lending?
Creative Solutions
Innovative approaches to complex financial situations
Personal Service
Dedicated support throughout your loan process
Fast Processing
Streamlined approval process for qualified borrowers
Why Choose Equitable Lending?
Your Simplified Mortgage Solution
- Expert Mortgage Solutions for Every Need – From Mortgage Purchase Loans to Refinance Loans.
- Competitive Rates Tailored to Your Situation – Bring Us Your Offer and We'll Work to Find You a Better Deal!
- A Wide Range of Financing Options, Including FHA and VA Loans, Reverse Mortgages, Jumbo Loans, and more.
- Streamlined and Transparent Process for Swift Approvals and Excellent Customer Satisfaction.
- Dedicated Guidance for First-Time Homeowners, Investors, and More – Mortgages Made Easy.
Hear From Our Happy Clients
Jennette Jefferson
"Rajesh at Equitable Lending has a special ability to deal with the most challenging issues in the whole refinancing world and he will always deliver what he promises-one way or another he will get you your mortgage even in the face of more difficult and uncertain twists and turns in the market. I recommend Equitable Lending and Rajesh Bhavnani as you are buying peace of mind upfront. Thank you Rajesh. I will be back very soon. You are amazing."
Cheryl Thomas
"Very professional staff. It was a pleasure working with Harvey and Caroline. They were kind, patient and quite knowledgeable. The team was readily available to answer all of my questions. I would recommend Equitable Lending to anyone in need of financial services."
Mortgage Calculator
Calculate your monthly payments for all loan types, including Non-QM and alternative financing options. Ideal for self-employed borrowers and unique financial situations.
Purchase Loan Details
Additional Monthly Costs
Payment Breakdown
Loan Summary
Refinance Details
New Loan Terms
Refinance Analysis
Refinancing looks favorable! You'll save money monthly and break even in 18 months.
Ready to explore your Non-QM mortgage options?
*This calculator provides estimates only. Non-QM and alternative financing rates may vary significantly based on individual circumstances, documentation, and loan-to-value ratios. Contact us for personalized rates and terms.
Contact Us
Get in Touch with Equitable Lending
We're here to provide answers and support regarding your lending needs. Reach out today and let's make your homeownership dreams a reality!
Contact Information
Our Details
Call Us
(877) 885-0111Email Us
Support@EquitableUSA.comVisit Us
2824 South Robertson Boulevard
Los Angeles, CA 90034
Business Hours
Mon-Fri: 9am - 6pm
Saturday: 10am - 4pm
Sunday: Closed
Take the first step toward your Non-QM loan goals. Apply online today and our team will guide you through the process.
Apply Now