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KNB Capital · Loan Programs
Non-QM
Loans
Conventional guidelines don't fit everyone. Non-QM loans are built for borrowers with unique income, credit events, or property situations — and KNB Capital has the full menu.
Get My Free Quote Start ApplicationThe Basics
What Is A Non-QM Loan?
Non-QM (Non-Qualified Mortgage) refers to any loan that falls outside the standard guidelines set by Fannie Mae, Freddie Mac, FHA, or VA. These are not subprime loans — they're sophisticated products designed for creditworthy borrowers whose financial profiles simply don't fit a checkbox.
Self-employed borrowers, real estate investors, foreign nationals, recent credit events, and high-net-worth individuals with complex financials all benefit from Non-QM. KNB Capital has access to the top Non-QM wholesale lenders in the country.
Who Non-QM Is Built For
Non-QM Loan Programs
Self-Employed
Bank statement loans, P&L only loans, and 1099 programs let you qualify on actual cash flow — not the taxable income your accountant minimized.
Real Estate Investors
DSCR loans, no-ratio programs, and portfolio loans allow investors to scale without the constraints of conventional financing guidelines.
Recent Credit Events
Programs available as soon as 1 day out of bankruptcy, foreclosure, or short sale. Your past doesn't have to define your next purchase.
Foreign Nationals
Non-US citizens and foreign nationals can qualify for investment or vacation property purchases with alternative documentation and larger down payments.
Common Questions
What You Need To Know
Are Non-QM Loans Risky?
No more than any other mortgage — they're simply underwritten differently. Non-QM lenders still verify ability to repay; they just use alternative methods. The borrowers who benefit most are often very strong financially, just unconventional on paper.
Are Non-QM Rates Higher?
Typically slightly higher than conventional, yes — that's the tradeoff for the flexibility. But as a wholesale broker, KNB Capital accesses Non-QM pricing that beats what retail lenders and banks charge for the same programs.
How Do I Know Which Non-QM Program Fits Me?
That's exactly what we do. We review your income, assets, credit, and goals — then match you to the right program from our wholesale lender network. There's no one-size-fits-all, and we won't try to force you into one.
If A Bank Said No,
We Have Options.
Non-QM is our specialty. Let's find the right fit for your situation.