Traditional mortgage guidelines are designed to fit many borrowers, but today’s buyers don’t always have traditional financial profiles. Self-employed business owners, independent contractors, real estate investors, retirees with significant assets, and borrowers with variable income often can repay a loan, even if they don’t qualify through conventional underwriting.

That’s where Non-QM financing comes in.

Key Mortgage offers a variety of Non-QM solutions designed for borrowers with unique financial situations. Depending on the program, options may include:

• 12- or 24-month bank statement loans for self-employed borrowers.

• DSCR loans that qualify investors using rental income.

• Asset depletion programs for borrowers with significant assets.

• And other alternative income documentation options that better reflect how many people earn and manage their finances today.

The next time a borrower doesn’t fit conventional guidelines, don’t assume the conversation is over. It may simply be time to explore a different financing solution.

Have a client with a unique financial situation? Connect with a Key Mortgage loan officer to explore the options available and determine the best path forward.