MORE than a mortgage PARTNERS you can count on•MORE than a mortgage PARTNERS you can count on•MORE than a mortgage PARTNERS you can count on•
MORE than a mortgage PARTNERS you can count on•MORE than a mortgage PARTNERS you can count on•MORE than a mortgage PARTNERS you can count on•
Loan programs
Non-QM loans with realexpertise behind them.Non-QM LoansWith RealExpertiseBehind Them.
NON-QM Loans
NON-QM Loans, or Non-Qualified Mortgage Loans, are flexible mortgage solutions designed for borrowers who may not meet traditional lending guidelines. These loans are ideal for self-employed individuals, business owners, freelancers, real estate investors, or anyone with non-traditional income sources.
Unlike conventional mortgage programs that require standard income documentation such as W-2s and tax returns, NON-QM loans offer alternative methods to verify a borrower's ability to repay. This may include bank statements, asset utilization, profit and loss statements, or other financial documentation.
NON-QM loans provide opportunities for borrowers who have strong financial profiles but may be unable to qualify under strict conventional lending standards due to write-offs, inconsistent income, recent credit events, or unique financial situations.
These programs can be used for primary residences, second homes, and investment properties depending on the loan structure and lender guidelines.
Unlike conventional mortgage programs that require standard income documentation such as W-2s and tax returns, NON-QM loans offer alternative methods to verify a borrower's ability to repay. This may include bank statements, asset utilization, profit and loss statements, or other financial documentation.
NON-QM loans provide opportunities for borrowers who have strong financial profiles but may be unable to qualify under strict conventional lending standards due to write-offs, inconsistent income, recent credit events, or unique financial situations.
These programs can be used for primary residences, second homes, and investment properties depending on the loan structure and lender guidelines.
Key Benefits of NON-QM Loans:
Flexible income documentation options
Bank statement and asset-based qualification programs available
Solutions for self-employed borrowers and entrepreneurs
Options after recent credit events such as bankruptcy or foreclosure
Financing for investment properties and unique borrower situations
Expanded qualification flexibility compared to traditional loans
Ideal For:
• Self-employed borrowers
• Business owners and freelancers
• Real estate investors
• Borrowers with non-traditional income
• Individuals who do not fit standard mortgage guidelines
Name
Email
Message
Type your message here..
Submit
You have questions and we have answers
Navigating the dynamic mortgage landscape can feel daunting. We've compiled a list of commonly asked questions by Residential and Commercial borrowers. For deeper insight, schedule your consultation with one of our Mortgage experts today.
Contact Our ExpertsHow soon will the funds be made available after approval?
Funds are typically made available within 5 working days after approval. However, the exact timing may vary depending on processing requirements and banking procedures. You will be notified once the funds have been successfully transferred.
What will my monthly payment be?
Your monthly payment depends on your loan amount, interest rate, and term length. We can provide a detailed estimate during your consultation.
How much do I need for a down payment?
Down payment requirements vary by loan program. Some programs allow as little as 3% down, while others may require 20%.
What happens if rates change while I’m under contract?
We offer rate lock options to protect you from rate increases while your loan is being processed.
Do I need to have my taxes and insurance escrowed?
Escrow requirements depend on your loan type and down payment amount. We will discuss your specific situation and options.
Can I buy a second home or investment property?
Yes, we offer specialized mortgage products for second homes and investment properties.
What happens if I pay off my mortgage early?
Most of our mortgage products do not have prepayment penalties, meaning you can pay off your loan early without extra fees.
How do I choose between fixed and adjustable rates?
A fixed-rate offers stability with consistent payments, while an adjustable-rate might offer lower initial rates. We'll help you choose based on your financial goals.
TESTIMONIAL
Real Clients. Real Results. Real Trust.
We let our track record speak for itself — straight from the people we've served.
I had a great experience working with Drift Financial, and the entire mortgage process was smooth from start to finish. Hassan Barada was especially outstanding—professional, responsive, and extremely knowledgeable. He took the time to explain everything clearly and made sure I felt confident at every step. His attention to detail and commitment to getting the best outcome really stood out. I highly recommend Drift Financial and Hassan to anyone looking for a stress-free and efficient mortgage experience.
Jamal Maraachli
I had a great experience with Drift Financial. The whole process was easy, smooth, and stress free from start to finish. Pete was amazing to work with, professional, helpful, and always quick to answer any questions. He made everything simple and straightforward. I would highly recommend working with Pete and this team.
Shannon Nelson
Drift Financial is hands down the best I’ve worked with. The team was professional, responsive, and made the entire process smooth from start to finish. Highly recommend to anyone looking for a reliable mortgage broker!
Al H
Had a great experience working with Gus at Drift! Great customer service and quick process! Thanks!
Anna Fatouhi
Great Experience all around. Quick closing, great communication.
Mike Ajami
Great service. Great experience overall
Sami Hammoud
Ready to Find the Mortgage That's Built for You?
No pressure, no obligation — just an honest conversation with experts who've closed over $2.5 billion in loans. Let's find the right solution for your situation, your goals, and your timeline.