📝 Non-QM Loans Explained: Smart Mortgage Options for High-Income Professionals 💡

💼 What is a Non-QM Loan? Discover Why High-Income Earners Should Consider It 🏡

July 22, 2025•2 min read

💼 What is a Non-QM Loan? Discover Why High-Income Earners Should Consider It 🏡

📝 Non-QM Loans Explained: Smart Mortgage Options for High-Income Professionals 💡

📝 What is a Non-QM Loan and Why High Earners Should Consider It

When it comes to mortgage financing, not all borrowers fit into the traditional lending box. High-income earners—such as doctors, business owners, investors, and self-employed professionals—often find themselves penalized by conventional guidelines. That’s where Non-QM (Non-Qualified Mortgage) loans step in.

What Is a Non-QM Loan?

A Non-QM loan is a type of mortgage that doesn’t conform to the Consumer Financial Protection Bureau's (CFPB) qualified mortgage guidelines. These loans allow lenders to be more flexible with underwriting criteria, making them ideal for borrowers with non-traditional income or unique financial profiles.

Who Benefits Most from a Non-QM Loan?

If you're a high earner but don’t receive a steady paycheck or have substantial write-offs on your tax returns, a Non-QM loan can be the perfect fit. Ideal candidates include:

· Self-employed professionals

· Physicians, attorneys, and dentists

· Real estate investors

· High-net-worth individuals with complex financial portfolios

· Foreign nationals with U.S. property interests

Why Consider a Non-QM Loan?

1. Alternative Documentation
Use bank statements, asset depletion, or 1099 income to qualify—no W-2s required.

2. Credit Flexibility
Recent credit events like foreclosures or bankruptcies don’t automatically disqualify you.

3. Investment Property Leverage
DSCR (Debt Service Coverage Ratio) options allow qualification based on rental income.

4. Higher Loan Amounts
Perfect for luxury homebuyers or professionals in high-cost areas needing jumbo financing.

5. Flexible Terms
Interest-only options, 40-year terms, and non-traditional amortization schedules are available.

Final Thoughts

Non-QM loans open doors for high-income earners who are often overlooked by big banks. At Medallion Mortgage, we specialize in structuring these flexible loan programs to match your financial goals—whether it’s a new primary home, investment property, or vacation retreat.

🔑 Let us help you qualify for the right loan—on your terms.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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