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Non-QM Loans
Mortgage solutions for borrowers with unique financial situations
Whether you're self-employed, recently graduated, a medical professional, seeking non-conventional financing, or have income that doesn't fit traditional lending guidelines, Bank CMG offers flexible mortgage solutions designed around your financial reality — not just what's shown on a W2.
What is a Non-QM Loan?
A Non-Qualified Mortgage (Non-QM) provides financing options for borrowers whose income, employment, assets, or financial circumstances may not fit traditional mortgage guidelines. Rather than relying solely on W2s and tax returns, Non-QM loans can use alternative methods to help qualified borrowers achieve homeownership.
Why Borrowers Choose Non-QM Financing
Flexible solutions for real-life financial situations
Self-Employed Solutions
Options Designed for Self-Employed Borrowers
Flexible financing solutions for business owners, freelancers, and independent contractors whose tax returns may not reflect their full income.
Available Solutions:
- Bank Statement Programs – for self-employed borrowers using business deposits instead of W-2s
- 1099 Income Programs – for contractors and commission-based earners
- Asset Qualifier Programs – for borrowers qualifying through savings and assets
Profession-Specific Programs
Options Designed for Your Career Path
Flexible financing solutions for recent graduates and eligible healthcare professionals with strong future earning potential and limited income history.
- Graduate Advantage – for recent graduates in eligible fields; qualify using future income from a signed employment contract; loan amount up to $1.5M; up to 90% financing available
- MedPro Premier – for eligible healthcare professionals; loan amount up to $2M; no down payment options; no mortgage insurance requirements
Halal Financing
Home financing that aligns with your values
Bank CMG's Halal Financing Program offers an alternative approach to home financing through a lease-to-own structure guided by Islamic financing principles.
- Lease-to-own structure utilizing Ijara
- Equity accumulation through monthly rent payments
- Structured to support interest/riba-free financing principles
- Available with eligible FHA, VA, and Fannie Mae financing options
- Designed to help qualified home buyers achieve homeownership while remaining aligned with their financial values
All In One Loan®
Qualify with bank statements for a more efficient mortgage
The All In One Loan® combines your mortgage, checking account, and home equity access into a single account designed to help eligible homeowners improve cash flow flexibility and potentially reduce mortgage interest costs over time.
Benefits
- Qualify with bank statements
- Access home equity without refinancing
- Potentially reduce interest costs
- Build equity faster
- Loan amounts up to $6 million
FAQ
Frequently Asked Questions
We’re here to help! Find answers to your everyday banking questions.
A Non-QM loan is a mortgage designed for borrowers whose income, employment, or financial circumstances don't fit traditional mortgage guidelines. These programs often allow alternative methods of qualification beyond W-2s and tax returns.
Yes. Bank CMG offers several programs that allow qualified borrowers to use bank statements, 1099 income, profit and loss statements, or assets to qualify.
Potentially. Many Non-QM programs use alternative income documentation instead of traditional W2 income verification.
This is common among self-employed borrowers who take business deductions. Alternative qualification programs may allow lenders to evaluate your financial strength using other forms of documentation.
Yes. Asset Qualifier programs may allow eligible borrowers to qualify using liquid assets such as checking, savings, investment, and retirement accounts.
Graduate Advantage may allow eligible graduates with qualifying employment contracts to use future income when applying for a mortgage.
Yes. Bank CMG offers a Halal Financing Program structured around an Ijara lease-to-own model for eligible borrowers seeking financing aligned with Islamic principles.
A Bank CMG loan officer can review your income, assets, career path, and financial goals to help identify the financing solution that best fits your situation.
Resources
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