Pacific Blue Mortgage

Non-QM Loans
Flexible Financing.

Solutions for self-employed individuals, real estate investors, and those with unique income documentation needs.

Traditional lending rules don't apply here. Let's find your solution.

The Non-QM Advantage

When traditional paths close, our alternative mortgage products offer a clear path to funding.

Use bank statements or asset utilization instead of traditional tax returns and W-2s.

Perfect for real estate investors using Debt Service Coverage Ratio (DSCR) loans.

Tailored products designed specifically for entrepreneurs and gig economy workers.

More flexible options available sooner after major credit events like foreclosure or bankruptcy.

Down payment requirements vary (often 10% to 20%)

Lower credit score requirements than Conventional

Income verification via bank statements/assets

Higher rates/fees compared to QM loans

Property appraisal/title review required

Must meet specific Non-QM guidelines

Have a unique situation? Our Non-QM experts specialize in making complex loans happen.

Connect with an expert to discuss your specialized financing needs.

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