Not every qualified homebuyer fits into traditional mortgage guidelines. If you're self-employed, own a business, earn commission or 1099 income, invest in real estate, or have unique financial circumstances, a Non-QM (Non-Qualified Mortgage) loan may provide the financing solution you need.
At Lighthouse Lender, we specialize in helping borrowers throughout California secure flexible mortgage solutions when conventional financing isn't the right fit. As an independent mortgage broker, we work with multiple wholesale lenders to compare a wide variety of Non-QM loan programs, helping qualified borrowers find financing tailored to their unique financial profile.
Whether you're purchasing a home, refinancing an existing mortgage, or financing an investment property, our experienced mortgage professionals will help you explore alternative loan options designed around your income—not just traditional underwriting guidelines.
Bank Statement Loans | DSCR Investor Loans | 1099 Income Loans | Asset Depletion Loans | Interest-Only Mortgage Options | Jumbo Non-QM Loans | Foreign National Loans | Investment Property Loans | Alternative Income Documentation Programs
Flexible Income Documentation | Alternative Qualification Methods | Purchase & Refinance Options | Competitive Financing Solutions | Fixed-Rate & Adjustable-Rate Mortgage Options | Financing for Primary Homes, Second Homes & Investment Properties | Personalized Mortgage Solutions
Self-Employed Borrowers | Business Owners | Entrepreneurs | Independent Contractors | Freelancers | Gig Workers | Commission-Based Professionals | Real Estate Investors | Retirees | Foreign Nationals | High-Net-Worth Borrowers | Buyers with Complex Financial Situations
Not sure if a Non-QM loan is right for you? Our experienced mortgage professionals will review your financial situation, explain your available financing options, and recommend the mortgage solution that best fits your goals.
Personalized Mortgage Solutions | Access to Multiple Wholesale Lenders | Competitive Financing Options | Experienced Mortgage Professionals | Local California Market Expertise | Responsive Communication | Home Purchase & Refinance Specialists | Smooth, Stress-Free Mortgage Process
At Lighthouse Lender, we understand that every borrower has a unique financial story. We take the time to understand your goals and match you with flexible financing options designed around your needs—not just traditional lending requirements.
Contact Lighthouse Lender today for a complimentary mortgage consultation or get pre-qualified online to learn whether a Non-QM loan is the right financing solution for you.