Flexible Non-QM Loans for Self-Employed and Non-Traditional Earners

See if you can qualify with alternative documentation such as bank statements. Get a quick, no-obligation pre-qualification.

SEE IF YOU QUALIFY

Who is this for?

Self-employed and 1099 earners

Business owners using personal or business bank statements

Borrowers whose tax returns don’t reflect true income

Homebuyers or refinancers outside standard guidelines

Flexible Financing When Traditional Rules Don’t Apply

Non-QM loans give you access to mortgage options that consider the full picture, not just standard paperwork. At FlexPoint, Inc., we evaluate bank statements, alternative documentation, and other qualifying factors to help you secure the right loan for your goals.

Purchase or refinance
Clear terms and requirements
Dedicated mortgage loan originators

GET STARTED

How Our Process Works

A simple 2-step path to see if you can get pre-qualification

Step 1

Tell us about your goals and property

Step 2

Review tailored options and next steps

START MY PRE-QUALIFICATION

🔒 Secure form. No obligation to proceed.

“

So glad he handled our refinance at FlexPoint. Their interest rate was fantastic and their fees were lower than other companies that I had compared. Thanks for getting it all done so smoothly.
Susan M.

“

It was a pleasure working with Justin. He helped guide me through the process and was immediately responsive to questions, even via text. Would recommend!
Christopher M

“

FlexPoint is an awesome company. I was surely blessed by getting assigned to Jordan Fletcher. Mr. Fletcher took over my VA refinance and guided me through the whole process in a very timely manner.
Chuck F.

READY TO TAKE THE NEXT STEP?

Apply for a loan today

Don’t let traditional lending rules hold you back. With FlexPoint, Inc., self-employed borrowers have a clear path to homeownership and refinancing.

Self-employed expertise
Transparent terms, fast answers
Thousands of loans funded

GET STARTED

Why FlexPoint, Inc.?

Bank-Statement Options

Self-employed Expertise

Flexible Non-QM Programs

One-to-one Guidance

Frequently Asked Questions

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.

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.

Do you offer loans in my state?

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

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.

Can I qualify after a recent credit event?

It may be possible, depending on details.

Do you support purchase and refinance?

Yes, subject to eligibility.

NMLS#243082

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