One of the most common misconceptions we hear from buyers is that qualifying for a mortgage requires 20% down and a perfectly traditional financial profile. In reality, today’s lending environment offers far more flexibility than many buyers realize, especially when conversations start early and guidance is intentional.

Here’s what that looks like:

• Low downpayment options help buyers enter the market without waiting years to save.
• Non-QM loan programs for well-qualified borrowers with non-traditional income. This includes: 
  • Bank statement loans for self-employed and commission-based buyers.
  • DSCR loans for investors who are focused on property cash flow over personal income.
• Expanded investor and second-home options that continue to support long-term wealth-building strategies.

Out of all of these options, non-QM loans are often misunderstood. It’s not about loosening standards — it’s about applying them differently, using alternative documentation, and a more complete view of a borrower’s financial strength.

For agents, this creates a real opportunity. When buyers understand their options, conversations shift from “maybe someday” to “let’s explore what’s possible now.” And when agents and lenders collaborate early, solutions tend to appear where buyers didn’t expect them.

The key takeaway is that today’s buyers don’t need perfect profiles. They need knowledgeable guidance and the right lending partner. Having an early conversation with a Key Mortgage loan officer gives buyers clarity around what’s possible, helps them understand their true options, and allows you to confidently guide them forward. 

Our loan officers serve as trusted advisors, working alongside you to support thoughtful planning, stronger offers, and smoother transactions. Because when agents and lenders are aligned from the start, opportunity expands and outcomes improve. Reach out to your Key Mortgage loan officer today!