Welcome to USA Loans Website

About Non-QM Loans

The non-QM loan is an excellent financing option for those who do not comply with the rules of the Consumer Financial Protection Bureau.

It offers a variety of options to borrowers that had gone through credit issues, such as bankruptcy or foreclosures in the past. Moreover, it’s a perfect loan for investors with no bank statement, a tax ID (ITIN), or income documentation.

Are you sure if an Out of the box mortgage is the right option for you? Contact us, and we will help you choose the right mortgage option for you.

Get financing for a home loan now

Apply Here

Non-QM Loans Programs

As all loans are not created equal, personal loans are the best option for people to use.


Loan Amounts up to $2M.
Non-Owner Occupied only.
No income or job verification.
5yr / 7yr ARM & 30-year Fixed.


2-year income history.
80% Max LTV Purchase.
80% Max LTV Refinance.
Loan amounts up to $1M.


Up to $4M Loan Amounts.
Self-Employed and 1099 Borrowers.
600 or greater credit scores.


1 to 4-unit properties.
Loan amounts up to $2M No income or credit required.
Non-Owner Occupied only.


Loan Amounts up to $4M.
Available with a 650+ FICO.
Foreign National.
Transferred appraisals.


Transferred Appraisals OK.
No MI, Impounds can be waived.
C/O up to $500K.

Frequently Ask Questions

Need any help regarding a non-QM loan? Please have a look at the following frequently asked questions by our clients. If you didn’t find your answer, let us know. Our team will reach out as soon as possible with an answer to your every query. Besides, we’re always there to help you know if you qualify for a non-QM loan or not.

No, there is a property and income eligibility requirement that needs to be fulfilled to qualify for the non-QM loans.
No, a repeat home buyer is also eligible besides a first-time homebuyer for a non-QM loan.

Get Info

Request info about a Non-QM loans Loan online, all you need to do is provide your details below application form.