Unconventional mortgage loans are home loans that don’t meet the standard rules used by big banks or government-backed lenders. They work a lot like traditional mortgages—but with a twist: more FLEXIBILITY. These programs are designed for borrowers who don’t fit the “normal” mold, like self-employed buyers, real estate investors, or those qualifying with assets instead of income. Popular examples include DSCR loans, bank statement loans, and asset-based mortgages.

Because not everyone fits the traditional lending mold. If you're self-employed, paid on a 1099, living off liquid assets, or growing a rental property portfolio, a conventional mortgage may not reflect your true financial picture. Unconventional loans are designed to offer more flexible options that align with real-world income and investment strategies.

Absolutely. Unconventional mortgage loans are real, fully legitimate financing options. They’re designed for borrowers who don’t meet traditional loan guidelines—like self-employed individuals, real estate investors, or those qualifying with alternative income documentation. These loans are underwritten and funded by licensed mortgage lenders.

Chances are, if you’ve ever been turned down for a mortgage by a bank, credit union, or traditional lender—you’re probably a great candidate for an unconventional loan. These programs are designed for borrowers with unique income situations, credit history issues, or complex financial profiles. Not sure where you fit? You can always speak to one of our unconventional lending specialists—we’ll help you find out if this type of financing is the right solution for your goals.

Yes—we’re a nationally licensed, fully accredited direct lender with over 30 years of mortgage banking experience. Our team specializes in unconventional loans, offering personalized solutions backed by full compliance, transparency, and trust. View our state licensing »

Most lenders only offer unconventional mortgage options as an afterthought—we specialize in them. We focus exclusively on flexible loan programs for self-employed borrowers, investors, 1099 income earners, and clients with unique financial profiles. We offer one of the widest selections of non-QM loan programs available—like DSCR loans, bank statement mortgages, P&L-based loans, and asset qualifying solutions. More importantly, we have the real-world expertise to help you navigate even the most challenging loan scenarios, quickly and confidently.