Non-QM Mortgage Rates
View our non-QM mortgage rate requirements for bank statement, 1099, DSCR, and asset depletion mortgage loans.
Interest rates for non-QM loans.
Non-QM loans are typically for borrowers who don't qualify for a traditional mortgage due to being self-employed, recent income fluctuations, or wanting to purchase investment property without using personal income. Because every non-qm loan borrower has unique circumstances, the rate will be unique and typically higher than a conventional 30-year fixed mortgage rate.
Below are the factors that impact the rate for each non-QM loan program, including bank statement loans, 1099 loans, DSCR loans, and asset depletion loans:
- FICO Score
- Loan-to-value ratio
- Debt-to-income ratio
- Down payment amount
- Loan amount
- Purchase or cash-out transaction
- Owner-occupied, second home, or investment property
NASB is a national leader in the non-QM lending space. We offer personalized mortgage solutions, helping borrowers who don’t fit traditional conforming guidelines achieve their goal of home ownership.
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