Bottom Line Up Front
Non-Qualified Mortgage products serve borrowers who don't fit conventional guidelines: bank statement, DSCR, asset-depletion, recent credit events, and interest-only programs.
Overview
Non-Qualified Mortgage products serve borrowers who don't fit conventional guidelines: bank statement, DSCR, asset-depletion, recent credit events, and interest-only programs.
Who Qualifies?
Varies by program. Compensating factors like larger down payments, strong credit, or significant assets.
Key Benefits
- ✓Flexible qualification
- ✓Multiple program types
- ✓Serves underserved borrowers
✅ Pros
- Solutions where conventional fails
- Diverse options
⚠️ Considerations
- Higher rates
- Larger down payments
California-Specific Information
California is the largest non-QM market, driven by self-employment, foreign nationals, and high property values.
Rates & Pricing
0.50-3.0%+ above conventional depending on program.
Why Choose Save Financial for Non-QM Loans?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best non-qm loans rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.