A Non-QM Loan is a mortgage financing option designed for borrowers who may not meet traditional mortgage qualification guidelines. These programs can provide alternative ways to evaluate income, assets, and overall financial strength.

Yes. Depending on the loan program and property requirements, financing may be available for qualifying rental and investment properties. Options include Investment Property Non-QM and other investor-focused programs.

Yes. Certain programs are designed to accommodate borrowers with non-traditional or complex income, including Bank Statement, 1099 Income, and Profit & Loss Loans.

An ITIN Loan is designed for eligible borrowers who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. Program requirements vary.

Yes. Jumbo Non-QM Loans can provide financing options for eligible high-value properties and borrowers whose financial situations may not fit traditional jumbo mortgage guidelines.

Yes. Second Home Non-QM Loans may provide financing for eligible vacation or seasonal residences, subject to program and property requirements.

Yes. Fix & Flip / Bridge Loans provide short-term financing options for eligible real estate investors purchasing, renovating, or repositioning investment properties.

Depending on the loan program, eligible borrowers may be able to refinance residential, second-home, or investment properties. Available options depend on the property and borrower's financial profile.

The right financing solution depends on your income, assets, credit profile, property type, investment strategy, and long-term goals. Justus Sharp with NFM Lending can help you understand available options and identify a program that fits your situation.

Justus Sharp provides personalized financing guidance with a focus on understanding each borrower's goals and financial situation. His approach is centered on clear communication, flexible solutions, responsive service, and helping clients move forward with confidence