Non-QM Mortgages for Self-Employed & Unique Borrowers

DISCOVER LENDING OPTIONS for unique financial situations with bank statement, DSCR, and Non-QM loan options.

alternative mortgage lending, trusted expertise

what is a non-qm loan?


A non-QM loan is any home loan that doesn’t meet the regular standards of a qualified mortgage. But, keep in mind that not every lender will offer this. As a non-QM lender, we have more flexibility in the underwriting process to work with any borrower that other lenders might label as risky.

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your partner in non-qm lending

If you’ve struggled to obtain traditional financing, get in touch today.

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close quickly knowing that we take a proactive approach to help you every step of the way.

  • Bank Statement Loans
  • DSCR Loans
  • Buy With 1099 Income
  • Buy While Self-Employed
  • Buy Without a SSN
  • Get an Interest-Only Mortgage

all income scenarios deserve a personalized, no-nonsense mortgage.

Non-QM loans offer:

  • Flexible income verification
  • Higher DTI (debt-to-income) allowances
  • Expanded qualification options
  • A variety of flexible mortgage options


A Non-QM (Non-Qualified Mortgage) loan offers flexible underwriting standards for borrowers with unique financial situations. Unlike traditional loans, Non-QM loans may use alternative income documentation—including bank statements or tax returns—to verify your income.


Non-QM loans are a great alternative for borrowers who don't fit in the "traditional" lending box, including:

  • Self-employed borrowers and freelancers
  • Business owners
  • Real estate investors
  • Borrowers with high debt-to-income ratios or unconventional income streams



your partner in alternative lending

Find flexible home loan options for self-employed borrowers, real estate investors, and unique income situations with Non-QM mortgage solutions.

rich sciarrone, jr.

Mortgage Loan Originator | NMLS# 68051

Rich Sciarrone has been working in the mortgage industry since 1998. Before becoming a part of the Luminate Bank team in 2025, Rich joined NJ Lenders Corp. and became a Branch Manager in 2009. 


He brought with him his vast professional mortgage experience along with his dedication to customer service. Rich’s passion is mortgages. He says, "My training and expertise go far beyond just quoting you a good interest rate." He handles all types of mortgage loans at Luminate. Rich’s uniqueness include; understanding the specific needs of each of his clients and delivering, a good listener, resourceful, cares deeply about his clients long after the closing, enjoys educating clients, learning new things and helping people discover new concepts that help them reach their goals.