Marcus Wright Mortgage
Español (682) 403-3406 Apply now
Self-employed & other income

Non-QM mortgage

The short answer Non-QM is a broad category of loans outside Qualified Mortgage requirements, not a single product and not a synonym for bad credit. It can include alternative documentation or features suited to particular borrowers. The flexibility often comes with different pricing or terms, so compare standard options first.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • Your income is real but doesn't fit standard documentation, such as some self-employed earners.
  • Your property or loan structure falls outside standard program rules.
  • You've already compared standard options and need a different approach.

Tradeoffs to weigh

  • Pricing and terms can be less favorable than standard agency loans.
  • Consumer loans still need a documented ability-to-repay review.
  • Non-QM covers many different programs, so the specific reason you need one matters.

What to have ready

  • Why you think a standard loan may not fit: income documents, property, a past credit event or payment structure.
  • How you're paid and what records you have.
  • The property type and how you'll use it.
  • Rough home value or price and the loan amount you have in mind.

Questions people ask

Does non-QM mean no income verification?

No. The lender may use a different accepted method to assess the file.

Should I choose it before checking standard loans?

No. Compare suitable agency and other options first, then decide whether the flexibility is worth the pricing or terms.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my applicationTalk to Marcus

Related topics

Bank-statement mortgage Profit-and-loss (P&L) mortgage 1099-income mortgage Asset-depletion or asset-qualifier mortgage Medical-professional mortgage ITIN mortgage See the loan programs All topics

Sources

Official program and consumer sources this page is based on. Lender rules can be stricter than these.

Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.

I aim to get back to you within a few working hours, often sooner.

Tell me about your loan