Flexible Mortgage Solutions Beyond Traditional Guidelines
EZ Funding Group Makes Homeownership Possible for Unique Borrowers
Not every borrower fits the strict mold of traditional mortgage guidelines—and that’s where Non-QM Loans (Non-Qualified Mortgages) come in. Whether you're self-employed, have fluctuating income, or face challenges with credit history, EZ Funding Group, Inc. offers smart, flexible lending options designed to help you get approved when others say no.
A Non-QM (Non-Qualified Mortgage) is a home loan that doesn’t meet the standard requirements of conventional loans (like Fannie Mae or Freddie Mac guidelines). Instead of relying solely on W-2s or tax returns, Non-QM lenders use alternative methods to verify your ability to repay—such as bank statements, rental income, or asset-based underwriting.
💡 Ideal for borrowers with complex financial profiles who need a customized path to homeownership or investment financing.
Non-QM loans are designed for borrowers who fall outside conventional lending criteria, including:
At EZ Funding Group, we’re experts in alternative mortgage solutions. We understand that real-life financial situations aren’t always “cookie-cutter”—and we have access to a wide range of Non-QM loan products from trusted lenders.
✅ Fast, common-sense underwriting
✅ Access to bank statement, DSCR, and asset-based loan options
✅ Flexible loan structures for residential and investment properties
✅ Transparent guidance from application to closing
If you’ve been turned away by traditional lenders or don’t meet standard mortgage requirements, a Non-QM loan could be the answer. It’s ideal for borrowers who are financially stable but need more flexible qualification guidelines.
📞 Call us today to discuss your loan scenario
A: “Non-QM” stands for Non-Qualified Mortgage. These loans don’t follow traditional underwriting guidelines set by Fannie Mae or Freddie Mac. Instead, they use alternative documentation like bank statements or assets to verify your ability to repay the loan.
A: Non-QM loans are ideal for self-employed borrowers, real estate investors, foreign nationals, or individuals with recent credit events (such as bankruptcy or foreclosure). If you have a strong financial profile but don’t meet conventional lending criteria, a Non-QM loan may be right for you.
A: No. Many Non-QM programs—especially bank statement loans—allow borrowers to qualify without W-2s or tax returns, using 12–24 months of personal or business bank statements instead.
A: Yes. Non-QM lenders typically allow lower credit scores, and some may accept recent late payments, short sales, or bankruptcies, depending on the product.
A: No. Non-QM loans can be used for primary residences, second homes, or investment properties. Many real estate investors use DSCR (Debt-Service Coverage Ratio) loans to qualify using rental income alone.