Non-QM Loan Program

Non-QM (Non-Qualified Mortgage) loans provide flexible financing options for borrowers who do not fit traditional lending criteria. This includes self-employed individuals, investors, or those with unique income streams that may not meet conventional documentation standards. Non-QM loans are structured to provide access to capital while maintaining responsible underwriting practices.
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Alternative Documentation Options

Non-QM loans are designed to accommodate borrowers who cannot provide traditional W-2s or tax returns. By leveraging bank statement verification, asset utilization, or other alternative documentation, borrowers can demonstrate repayment capacity without strict reliance on conventional income metrics. This approach opens the door to homeownership and investment property acquisition for self-employed professionals, business owners, and other non-traditional income earners.
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Flexible Loan Terms & Structures

Non-QM loans offer a variety of term options, including fixed-rate and adjustable-rate structures. Lenders can tailor amortization schedules, interest-only periods, or balloon payment terms depending on borrower objectives. This flexibility allows borrowers to align cash flow needs with property investment goals while maintaining long-term financial stability.
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Benefits of a Non-QM Loan

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Alternative documentation options for self-employed or complex income borrowers

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Flexible fixed and adjustable-rate term structures

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Financing available for primary, secondary, and investment properties

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Holistic credit evaluation for borrowers outside conventional guidelines
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Investment & Property Eligibility

Many Non-QM programs support financing for investment properties, second homes, and primary residences. This versatility allows borrowers to leverage Non-QM solutions for wealth-building strategies or portfolio expansion. Property eligibility standards are structured to ensure risk mitigation while providing flexibility in high-demand markets or unique property types.
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Why Choose Michael Glenner at Contempo Lending

Choosing the right mortgage professional directly impacts your financing experience, approval success, and long-term financial outcome. Michael Glenner of Contempo Lending provides personalized mortgage solutions tailored to each client’s financial profile, property goals, and timeline. Rather than offering one-size-fits-all lending, every loan strategy is carefully structured to align with underwriting standards while maximizing affordability and long-term stability.

We are known for

Precision Pre-Approvals – Thorough income, credit, and asset analysis upfront to strengthen offers and reduce underwriting surprises.

Program Versatility – Access to VA, FHA, Conventional, Jumbo, Non-QM, HELOC, and refinance options tailored to complex financial profiles.

Transparent Communication – Clear rate explanations, fee breakdowns, and consistent updates from application through closing.

Efficient Closings – Proactive documentation management and lender coordination to minimize delays and meet contract timelines.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

Down payment requirements vary by loan program. FHA loans may require as little as 3.5%, Conventional loans can start at 3% depending on qualifications, VA and USDA loans may offer zero-down options for eligible borrowers, and Jumbo loans typically require higher down payments. The exact amount depends on credit profile, income, and property type.

Minimum credit score requirements vary by program. FHA loans are generally more flexible, while Conventional and Jumbo loans typically require higher scores. Non-QM programs may offer alternative qualification pathways for borrowers with unique financial circumstances. A full credit review determines the most suitable option.

On average, the mortgage process takes 21 to 30 days from application to closing, depending on loan type, appraisal timelines, and documentation responsiveness. Proactive pre-approval and organized financial documentation can significantly streamline the process.

Yes. Self-employed borrowers can qualify using alternative documentation such as bank statements, profit and loss statements, or asset-based calculations. Specialized programs are designed to accurately reflect business income while meeting lender guidelines.

Refinancing may be beneficial if you can secure a lower interest rate, reduce monthly payments, shorten your loan term, or access home equity. A detailed cost-benefit analysis helps determine whether refinancing aligns with your long-term financial goals.

Credit Profile Considerations

Non-QM loans evaluate credit history in a holistic manner, focusing on repayment ability and financial resilience rather than strictly enforcing conventional scoring thresholds. Late payments, prior foreclosures, or limited credit history may be considered in context with overall borrower strength. This allows qualified borrowers with non-traditional financial backgrounds to access financing while maintaining a prudent risk structure.