Non-QM Loan Program

Celer Mortgage’s Non-QM Loan Program offers flexible financing for borrowers who don’t meet traditional requirements—ideal for self-employed individuals, investors, and foreign nationals looking to purchase or refinance.

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Key Features

Alternative Income Verification

Qualify using bank statements, 1099s, or asset depletion instead of W-2s or tax returns.

No Traditional Documentation Needed

Designed for those who don’t fit standard employment or income documentation.

Flexible Borrower Types

Perfect for self-employed buyers, property investors, or foreign nationals.

Higher DTI Ratios Accepted

Greater flexibility with debt-to-income ratios for broader approval potential.

Homebuyer Education: Empowering Your Journey

While not always required, borrowers new to alternative financing may benefit from a homebuyer education course. It provides helpful insight into loan terms, budgeting, and the responsibilities of homeownership with a Non-QM product.

Our Customer Care Agents Are Available.

Eligibility Requirements

Minimum Credit Score

Requirements vary by lender and loan type, typically starting at 600.

Debt-to-Income Ratio (DTI)

May exceed 50%, depending on the strength of the overall profile.

Down Payment

A larger down payment is generally required, usually between 10–20%.

Interest Rates

Slightly higher than traditional loan programs due to non-conforming structure.

Our Satisfied Clients

Hear what some of our satisfied client have to say

Gabriel Reyes, amazing loan agent! As a first time home buyer our experience with him was great. He was able to answer all of our questions and doubts. All the information provided was helpful and informative. We couldn’t be any happier …More
Martha Aguilera, Happy Customer
I would like to thank Isayda Aguilar for helping us through the loan process. We finally bought our first home and I couldn’t be happier with the process! Isayda made it so simple for us to know what steps were ahead and how the process …More
Nancy Pineda, Happy Customer
We worked with Cynthia on buying our home and she was phenomenal! She was always available to answer any questions we had or to explain something in further detail. Buying a home can be long and a lot of unknowns, but Cynthia really made the process so easy for us!
Desiree S, Happy Customer
Riley helped me and my brother with the purchase of our first home. Very timely with his responses to any of our questions, very thorough and informative too. On the rare occasions he did not have an answer to our questions, he ensured to  …
Daniel Utuone, Happy Customer

How to Apply

Contact a Celer Mortgage-approved loan officer to get started. Prepare alternative income documents such as bank statements or 1099s, along with standard identification and asset information. Our team will assess your eligibility, guide you through loan options, and support you every step of the way through approval and closing.

Our Customer Care Agents Are Available.

Get Started Now

Non-QM Loan Program may be your path to homeownership or investment success. Let Celer Mortgage help you find the right solution—reach out today to learn more.

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Stay Informed. Whether you are a first time buyer or interested in becoming, real estate agent, or mortgage agent. we have classes and updates to keep you up to date. Simply add your name and email to be on the list

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