Not every borrower looks the same on paper, and not everyone fits in the traditional mortgage box. We understand unique situations like non-traditional income, investors, or those purchasing unique property types. These programs provide options when standard lending rules don’t apply, making homeownership and real estate investment more accessible.
Business owners, contractors, and freelancers often struggle to qualify using tax returns alone. Our bank statement loan program helps by looking at 12 months of bank deposits instead. Loans are available up to $4 million, with credit scores starting at 660 and loan-to-value ratios up to 90% (* LTV requirements may apply due to credit score and property type). This makes it possible for self-employed borrowers to qualify in a way that matches how they actually earn.
Real estate continues to be a strong long-term investment. With certain Non-QM loans, you can qualify using rental income instead of traditional income documents. This includes income from short-term rentals like Airbnb and VRBO. Whether you’re financing your primary home, a vacation property, or a rental, these programs can help you keep building your portfolio.
Investors buying, renovating, and selling homes need fast and flexible financing. Fix & Flip loans start at $150,000 with 12-month terms available and credit scores as low as 650 considered. Eligible property types include single-family homes, condos, townhomes, and multi-family units. Financing can cover up to 90% of the project cost and up to 75% of the after-repair value, with options for longer terms if needed.
Buying or refinancing a mobile home is possible with Non-QM programs designed for single- or double-wide homes permanently attached to land. There are no restrictions on age or acreage. Loans start at $50,000, down payments begin at 30%, and credit scores of 600 or higher may qualify. Borrowers can purchase or refinance, including cash-out options, with gift funds accepted.
Non-QM lending also includes DSCR loans, jumbo financing, ITIN loans, bridge loans, renovation loans, chattel loans, and asset depletion programs. Each option exists to serve borrowers who don’t fit into conventional guidelines but still want smart financing solutions.
Our focus is on making financing more flexible and accessible. Non-QM loans allow us to help borrowers achieve homeownership, expand their investments, and move forward with financing that works for their situation. Want to learn more? Contact a Loan Officer at Peoples Mortgage Company to see which Non-QM loan program could be right for you.
Program availability, terms, and conditions may change. The details above apply to Non-QM programs offered by Peoples Mortgage Company and its broker investors prior to September 10, 2025. For the most current information, please contact Peoples Mortgage Company.
