Qualify for a Mortgage
Without Tax Returns
⭐ 5-Star Client Reviews ✔ Licensed Mortgage Professionals ⚡ Fast Closings
Non-QM loans for self-employed borrowers and real estate investors
in VA, MD & DC.
✔No impact on your credit to check eligibility
✔ Fast approvals 24–48 hours
✔ Local experts in VA, MD and DC
What Is a Non-QM Loan?
Non-QM loans in Virginia, Maryland, and Washington DC help borrowers who don’t fit traditional mortgage guidelines qualify using alternative documentation instead of standard tax returns.
These programs are ideal for self-employed borrowers, real estate investors, and buyers with complex income situations.
Common Non-QM loan qualification options include:
✔ 12 or 24 months of bank statements
✔ DSCR loans for investment properties
✔ Asset-based income qualification
✔ 1099 contractor income programs
✔ Interest-only loan options
Non-QM Loan Programs We Offer
Explore flexible mortgage programs designed for self-employed borrowers, real estate investors, and borrowers with non-traditional income.
Licensed Mortgage Lender & Broker • NMLS #1655154
Licensed in Virginia, Maryland & Washington DC • Serving borrowers since 2017
See If You Qualify for a Non-QM Loan
No hard credit pull • Takes less than 30 seconds
Who Benefits From Non-QM Loans?
Non-QM loans are designed for borrowers whose financial profile does not fit traditional underwriting models. These programs are especially beneficial for:
- Self-employed borrowers whose tax returns do not reflect their true income
- Real estate investors qualifying based on rental cash flow
- Independent contractors and commission-based professionals paid via 1099
- Business owners using Profit & Loss (P&L) statements
- High-net-worth borrowers qualifying through asset depletion
- Foreign nationals and ITIN borrowers
- Homeowners seeking equity access through closed-end second mortgages
Traditional mortgage guidelines can penalize strong borrowers with complex income structures. Non-QM lending allows underwriting to focus on cash flow, assets, and overall financial strength rather than rigid documentation formulas.
See which Non-QM loan programs may fit your situation.
How Non-QM Loans Differ From Conventional and FHA Loans
Conventional and FHA loans follow standardized Qualified Mortgage (QM) guidelines. These programs typically require full income documentation, tax returns, strict debt-to-income (DTI) limits, and agency underwriting standards.
Non-QM loans provide greater flexibility in several key areas:
- Alternative income documentation such as bank statements, P&L statements, or asset depletion
- Qualification based on rental income through DSCR rather than personal DTI
- Flexible debt-to-income calculations
- Interest-only options in certain portfolio programs
- Expanded guidelines for unique property types and investment scenarios
While interest rates on Non-QM loans may differ from agency products depending on risk profile, these programs offer access to financing solutions that traditional underwriting models cannot accommodate.
Explore the Non-QM loan options available for flexible income qualification.
What Borrowers Are Saying
⭐⭐⭐⭐⭐ “ABC United Finance Corp made the entire process effortless. As a self‑employed borrower, I finally felt understood. Their bank statement loan helped me secure my home without the usual stress.”
— J.M., Arlington, VA
⭐⭐⭐⭐⭐ “Fast, flexible, and knowledgeable. Their DSCR loan allowed me to close on my investment property quickly. I’ll definitely be returning for my next project.”
— R.T., Bethesda, MD
⭐⭐⭐⭐⭐ “I earn income from multiple 1099 contracts, and other lenders didn’t know how to handle it. ABC United Finance Corp offered a solution right away. Truly a professional team.”
— S.L., Washington, DC
Non-QM Loans in Virginia, Maryland & Washington DC
ABC United Finance Corp provides Non-QM loan solutions throughout Virginia, Maryland, and Washington DC. We understand the local real estate markets, investor activity, and borrower profiles across the region.
Whether you are purchasing an investment property in Northern Virginia, refinancing a rental portfolio in Maryland, or seeking alternative income documentation financing in Washington DC, our Non-QM programs are structured to meet diverse borrower needs.
We work with borrowers across all counties in VA, MD, and DC, offering competitive portfolio lending options tailored to local market conditions.
Check your Non-QM loan options in Virginia, Maryland, or Washington DC.
Why Work With ABC United Finance for Non-QM Lending?
Non-QM lending requires experience, program knowledge, and access to the right lenders. ABC United Finance Corp is both a lender and broker, which allows us to match borrowers with portfolio solutions that fit their scenario instead of forcing every file into an agency box.
We help borrowers navigate alternative documentation options, investor-focused underwriting, and complex income structures with clear communication and fast, practical guidance. Our goal is to provide the right financing strategy—whether you are an investor scaling a portfolio, a self-employed borrower qualifying through bank statements, or a homeowner leveraging equity through a second mortgage.
Frequently Asked Questions
Are Non-QM loans harder to qualify for?
Non-QM loans focus on alternative documentation rather than traditional tax return analysis. Qualification depends on income structure, credit profile, and asset strength.
Do Non-QM loans require tax returns?
Many Non-QM programs allow qualification using bank statements, profit & loss statements, or rental cash flow instead of tax returns.
What credit score is required for a Non-QM loan?
Minimum credit requirements vary by program and scenario, but many portfolio lenders offer flexible guidelines compared to agency loans.
Are interest rates higher on Non-QM loans?
Rates depend on documentation type, loan structure, and borrower profile. While pricing may differ from conventional loans, Non-QM programs provide access to financing when traditional options are not available.
Can I use a Non-QM loan for an investment property?
Yes. DSCR and other investor-focused programs are specifically designed for rental and portfolio financing.
Ready to Explore Your Non-QM Loan Options?
Our team helps self-employed borrowers, investors, and clients with complex income structures secure flexible Non-QM financing solutions.