Non-QM Loans for Self-Employed & Non-Traditional Borrowers

Flexible mortgage options when traditional financing doesn’t fit.

Bank statements, 1099s, asset depletion —

qualify without standard income documents.

Thanks for submitting your info.

We'll match you with Non-QM loan options designed around your financial picture — not just your tax returns.

What Non-QM Loans May Offer:

  • No traditional income docs required — qualify using bank statements, 1099s, or assets

  • Ideal for self-employed, freelancers, and gig workers

  • Flexible underwriting — outside standard agency guidelines

  • Multiple income documentation options — including P&L and asset-based

  • Loan amounts up to $[Insert Verified Max] — based on credit and collateral

  • Available for primary homes, second homes, and investment properties

  • May allow recent credit events — such as bankruptcy or foreclosure


Loan program availability and terms may vary. All loans subject to credit approval, underwriting, property eligibility, and lender-specific guidelines.

This is not a commitment to lend. Programs may change without notice.


Mortgage Pre-Approval

Step 1:Fill out the quick form.

Use our secure online app — it only takes minutes.


House Shopping

Step 2: Review your personalized loan options.

We’ll match you with the best programs based on your goals.


Loan Application

Step 3: Get pre‑approved and start shopping.

Know your buying power — and shop with confidence.


Kelly Nadeau | NMLS #1027618

Raymond Nadeau | NMLS #1027617

Mortgage Loan Officers | Licensed in Florida

CALL OR TEXT 321-321-9455

NEXA Lending, LLC | NMLS #1660690

5559 S. Sossaman Rd, Ste. 101, Mesa, AZ 85212

Equal Housing Lender

This is not a commitment to lend. All loans are subject to credit approval and program qualifications. Terms, conditions, and availability are subject to change without notice. Visit nmlsconsumeraccess.org for full licensing and lender details.

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