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Non-QM (Non-Qualified Mortgage) lending offers mortgage solutions to borrowers who do not meet traditional lending guidelines, such as self-employed individuals, investors, and foreign nationals. Unlike traditional loans, Non-QM loans consider alternative forms of income documentation and provide more flexible terms, making homeownership accessible to a broader range of borrowers.

Non-QM loans are ideal for self-employed individuals, real estate investors, ITIN holders, and foreign nationals who may not have conventional income documentation but possess the financial stability to secure a mortgage. These borrowers benefit from the flexibility and tailored solutions offered by Non-QM lending.

To find Non-QM borrowers, start by leveraging your existing network and partnering with Certified Public Accountants (CPAs) and Financial Planners. These professionals often work with self-employed individuals and investors, providing a steady stream of qualified leads. Targeting these channels can help you build a successful Non-QM business and increase your income potential.

Partnering with ClearEdge Broker Referral provides access to top-tier lenders, innovative technology, and personalized support. Our platform helps realtors and brokers widen their market reach, attract more buyers, and close more deals. Additionally, our commitment to quality ensures that you’re working with the best origination partners nationwide.

Non-QM loans offer real estate investors the flexibility to secure financing even if they do not fit the traditional lending criteria. These loans allow investors to maintain their business and personal assets separately by closing in LLCs, making it easier to manage their investments while accessing the capital they need to grow their portfolios.