Loan Program
Non-QM Loans
Flexible underwriting for complex income
What is a Non-QM Loans?
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don't fit the standard underwriting box. Self-employed individuals, real estate investors, foreign nationals, or those with recent credit events often qualify through alternative documentation such as bank statements, asset depletion, or debt-service coverage ratios (DSCR). KLE Mortgage has deep expertise in structuring Non-QM deals that traditional lenders turn away.
Key Features
- Bank statement income qualifying (12/24 months)
- No tax returns required for self-employed
- Asset depletion programs
- DSCR investor loans
- Foreign national programs
- Recent credit events considered
Requirements
- Alternative income documentation
- Minimum 10–20% down payment
- Credit scores from 580+
- Property appraisal required
- Reserves may be required
At a Glance
Min. Down Payment10%
Min. Credit Score620
Best For
- Self-employed business owners
- Real estate investors
- Foreign nationals
- Recent credit event (BK/foreclosure)
- High-net-worth with non-traditional income
Ready to Apply?
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Whether you're buying your first home, upgrading, or refinancing, our team is ready to guide you. Getting pre-approved takes less than 10 minutes.
No obligation. No credit pull required for pre-qualification.