Financing Built Around Real Life

There’s More Than One Way to Move Forward

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NON-QM LOANS AT A GLANCE

A breakdown of alternative financing solutions designed for borrowers with complex income or credit profiles.

  • Ideal for: Self-Employed Borrowers who do not meet traditional guidelines, but can qualify using cash flow from bank statements.

    Qualify with 100% on personal account deposits & up to 90% on business account deposits (12 consecutive months)

  • Ideal for: Real Estate Investors looking to qualify with limited documentation.

    Qualify based on the cash flow of the subject property

  • Ideal for: Borrowers who have significant assets, but do not meet traditional income requirements.

    Qualify based on liquid assets to cover the loan balance

  • Ideal for: An individual who is living in the United States and does not have a Social Security number.

    Qualify using Individual Taxpayer Identification Number

  • Ideal for: Self-Employed borrowers who do not meet traditional guidelines.

    Qualify based on income earned via non-employment such as a freelancer/contractor

  • Ideal for: Self-Employed borrowers who do not meet traditional guidelines.

    Qualify based on financial report showing

  • Ideal for:
    Buyers purchasing properties that don’t fit traditional lending guidelines due to design, zoning, or usage.

    Qualify with:
    Flexible underwriting for properties such as mixed-use buildings, rural homes, manufactured homes on land, log homes, barndominiums, and other non-traditional residences.

  • Ideal for:
    Condo buyers whose building does not meet conventional or agency approval standards.

    Qualify with:
    Alternative financing for condos with high investor concentration, pending litigation, commercial space, low reserves, or other factors that make them ineligible for standard condo loans.

Before You Give Up, Talk to Someone Who Knows the Options

If another lender has told you no, it does not mean homeownership is off the table. Many unique financial situations simply require experience, creativity, and a deeper understanding of available loan programs. A conversation with a Supreme Lending loan officer can help uncover solutions others may not offer. It is always worth a conversation.

FIND A LOAN OFFICER

Condo transactions can sometimes feel complicated, but they don’t have to be…

With over 40 years of experience serving Georgia and South Florida, Supreme Condo Service brings deep expertise, proactive communication, and proven systems to every condo transaction.

From warrantable and non-warrantable units to unique HOA requirements and documentation, our team knows how to navigate the details that delay or derail most condo deals.

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