Non-QM HELOC Loans
For self-employed borrowers, real estate investors, and those with non-traditional income, our Non-QM HELOC loans provide a flexible financing solution. Unlike conventional HELOCs that require tax returns and W-2s, our Non-QM HELOC options allow you to qualify using bank statements!
Non-QM HELOC Loan Highlights
Tap Into Your Home’s Equity with a Non-QM HELOC
For self-employed borrowers, real estate investors, and those with non-traditional income, our Non-QM HELOC loans provide a flexible financing solution. Unlike conventional HELOCs that require tax returns and W-2s, our Non-QM HELOC options allow you to qualify using bank statements, 1099s, or a CPA-prepared profit & loss (P&L) statement.
With no tax returns required and a streamlined approval process, you can access home equity quickly while enjoying competitive interest rates and flexible terms.
Why Choose a Non-QM HELOC?
? Qualify Using Bank Statements – 12 or 24 months of personal or business statements
? 1099 & P&L Income Accepted – Great for gig workers, independent contractors, and entrepreneurs
? No Tax Returns Required – Ideal for self-employed borrowers
? Available for Primary, Second Homes & Investment Properties
? Flexible Draw Periods & Interest-Only Options
? Higher Loan Amounts & CLTV Compared to Traditional HELOCs
Who Can Benefit from a Non-QM HELOC?
?? Self-Employed Borrowers – Use bank statements or P&L instead of tax returns
?? Real Estate Investors – Qualify with rental income or DSCR
?? 1099 Contractors & Freelancers – No W-2s required
?? Second Homeowners – Cash out on vacation or secondary properties
How It Works – Get Approved in 3 Simple Steps
1?? Apply Online & Upload Your Income Docs – Choose between bank statements, 1099s, or P&L
2?? Receive a Fast Approval – No tax returns needed, flexible credit score requirements
3?? Access Your Home Equity – Draw funds as needed with flexible repayment terms
Program Guidelines & Features
?? Loan Amounts Up to $4M
?? CLTV Up to 85% for Primary, 80% for Second Homes & 75% for Investment Properties
?? No Appraisal Required for Loan Amounts Below $400K (AVM valuation)
?? Available in 1st or 2nd Lien Position
?? Fixed & Adjustable Rate Options
Apply Today for a Non-QM HELOC!
Unlock your home’s equity without the hassle of traditional income verification. Get a fast approval and flexible funding with a Non-QM HELOC loan today!
?? Apply Now & Get Funded Fast!
Non-QM Fixed Rate Second Mortgage Loan Program Terms:
- Up to 90% CLTV Primary Homes
- Up to 80% CLTV Investment Property
- Eligible for Investors & Self Employed
- 660 Min FICO
- 1 Year Full Doc
- 1 Year Alt Doc (Bank Statements, 1099, P&L)
- Fixed Rate for 10/15/20/30 Years
- Up to $550,000 Loan Amount
- Up to 50% DTI
