OnlyWay Mortgage · Non-QM loans
Non-QM & Bank Statement Loans in Georgia
If you're self-employed, your tax returns may not show everything you actually earn. Non-QM loans, like bank statement loans, let some lenders look at your income in other ways. Every lender still has to confirm you can repay, and we'll help you find the program that fits how you really earn.
However you like to decide, start here.
- 01Bottom line firstSkip ahead: book a complimentary consultation and get a written plan.Book your consultation
- 02Show me what's possibleSee if non-qm loans is the right fit for what you want next.Is it a fit?
- 03Walk me through itWhat we look at, step by step, so nothing catches you off guard.See the approach
- 04Give me the detailsCommon questions, answered plainly.Read the answers
Who it fits
A good fit when…
- Self-employed buyers and small business owners
- Freelancers and 1099 contractors
- Buyers with strong savings but uneven income
- Buyers whose situation doesn't fit a standard loan
How we work
The approach.
- 01Personal or business bank statements
- 02How long you've been self-employed
- 03Credit history
- 04Down payment and savings
- 05The home's appraisal
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements. No approval, rate, term, savings, timeline, or closing result is guaranteed.
Questions
Plainly answered.
What does 'Non-QM' mean?
QM stands for Qualified Mortgage, a federal category of loans with certain features and limits. A Non-QM loan is outside that category, often because it uses a different way to document income. Under federal rules, the lender must still make a good-faith effort to confirm you can repay.
How does a bank statement loan work?
Instead of relying mainly on tax returns, the lender reviews a period of your personal or business bank deposits to understand your income. The number of months and the rules vary by lender.
Do Non-QM loans cost more?
They can. Rates and down payment requirements are often different from standard loans. We'll compare options side by side so you can decide with clear numbers.
Can you guarantee approval or a rate?
No. Every loan is subject to the lender's review of your credit, income, assets and the home, and rates change daily. We tell you honestly what looks realistic before you spend time or money.
Residential mortgage services are offered in Georgia only.
Residential mortgage
Verify licensing at NMLS Consumer Access. Equal Housing Lender.
Equal Housing Lender. Clients are never required to use an affiliated or suggested service provider. You are free to choose your own lender, closing attorney, inspector, insurer, and other providers.
The right way forwardstarts here.
A complimentary, private strategy session. You leave with your numbers, a market brief and a timeline, whether or not you work with us.