Flexible Non-QM Mortgage Loans | For Self-Employed, Investors & More

No Traditional Income Docs Required

At FlexPoint Inc., we specialize in Non-QM loans designed for self-employed individuals, investors, and those with unique financial situations. Our tailored mortgage solutions help qualified applicants achieve financing, even if traditional lenders have turned you away.

Why Choose FlexPoint's Non-QM Loans?

Traditional mortgage requirements can be restrictive, especially for those with unconventional income sources or credit histories. FlexPoint Inc.’s Non-QM loans provide the flexibility you need, focusing on your overall financial picture rather than just standard criteria.

Our team works closely with you to identify the right loan option, ensuring a smooth and personalized lending experience if you qualify.

  • Self-employed mortgage solutions without W-2s
  • Options for those with credit challenges
  • No income proof or verification
  • Fast pre-approvals within 24 – 48 hours if you qualify
  • Tailored loan programs to fit unique financial situations
  • Dedicated support from application to closing
  • Flexible Financing

Non Prime Loan Options for Diverse Needs

FlexPoint Inc. offers a variety of non prime loan programs to accommodate different financial scenarios:

Bank Statement Loans

Ideal for self-employed individuals, freelancers, and business owners. Use personal or business bank statements to verify income—no tax returns required.

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Asset Depletion Loans

For high-net-worth individuals with substantial assets but limited income. Utilize liquid assets like savings and investments to qualify.

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Debt Service Coverage Ratio (DSCR) Loans

For real estate investors. Qualification is based on the rental income generated by the property, with no personal income verification needed.

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Interest-Only Loans

Provides lower monthly mortgage payments by allowing you to pay only the interest for a set period, offering flexibility in cash flow management.

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Experience the FlexPoint Difference

FlexPoint Inc. is committed to simplifying the mortgage process. Our experienced mortgage loan originators guide you through every step, ensuring transparency and personalized service. We understand that each borrower has a unique story, and we’re here to help you find the right mortgage solution.

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As a small business owner, I struggled to get approved elsewhere. FlexPoint's Bank Statement Loan was the right solution.

Alex M.California
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As a small business owner, I struggled to get approved elsewhere. FlexPoint's Bank Statement Loan was the right solution.

Alex M.California
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FlexPoint's team made the process seamless. Their DSCR loan helped me expand my rental portfolio effortlessly.

Maria L.Texas
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I was impressed with the personalized service and quick approval. Highly recommend FlexPoint for Non-QM loans.

James R.Florida

Q1: What is a Non-QM loan?

A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers who don’t meet traditional lending criteria, offering flexible solutions based on alternative documentation and unique financial situations.

Q2: Who can benefit from Non-QM loans?

Self-employed individuals, real estate investors, and those with non-traditional income or credit histories can benefit from Non-QM loans.

Q3: Do you offer loans in my state?

FlexPoint is licensed in multiple states. Please see the NMLS Consumer Access site for our licensing information.

Q4: What documents are needed for a Bank Statement Loan?

Typically, 12–24 months of personal or business bank statements are required, along with identification and other standard documentation.