Non-QM Loans in Arizona

When banks say no, Non-QM says how much

Non-QM (non-qualified mortgage) loans exist for real people with real finances that don't fit inside a bank's checkbox: self-employed borrowers, 1099 earners, recent credit events, foreign nationals, and ITIN holders across Arizona.

Programs we broker

• Bank statement loans — qualify on 12–24 months of deposits, no tax returns
• 1099 and P&L loans — for contractors and business owners
• DSCR loans — investment properties qualified on rental income, not yours
• ITIN mortgages — homeownership without a Social Security number
• Recent 30-day lates? Flexible refinance options to reset your mortgage and pull equity — free appraisal and waived fees included

Straight answers, fast

Non-QM doesn't mean expensive when you shop wholesale. Tell us your situation — we'll tell you exactly which documents to send and what you qualify for, usually the same day.