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Non-QM Loans Programs

Empowered To Get Things Done.

Is your client self-employed? Recovering from a credit event? Foreign National? Our Non-QM mortgage programs are built to smooth the process of funding these loans with Speed, Ease, and Convenience. Partner with HomeXpress for these eXceptional Non-QM loan products.


When your client just misses agency guidelines for Prime, our PrimeX product offers the lowest rates and reasonable qualifications for an almost Prime, Non-QM loan. Learn more by viewing our program and rate sheets page.


A less-than-perfect credit score is at the core of our CoreX program, featuring Non-QM loans for borrowers with FICO credit scores as low as 640, at industry leading rates. View our programs and rate sheets page to learn more.


Traditional lending doesn't always favor real estate investors seeking to acquire new rental properties for their portfolios. We help investors grow their portfolios with Non-QM loans by accepting full or alternative documents to show income. Our Foreign National programs offer expanded qualifications to help your investor clients grow their wealth. Learn more by viewing our programs and rate sheets page.

Explore All Programs

One-Stop Shop

We offer a full suite of products to meet each client’s unique needs.

Government / Agency / Jumbo

FHA and VA loans can be great solutions for First Time Home Buyers or those that have limited funds for a down payment.


A non-qualified mortgage loan is more commonly referred to as a Non-QM loan. Within the mortgage industry, a qualified home loan is one that complies with the requirements set forth by the Consumer Financial Protection Bureau (CFPB) and standards set by the federal government.

Business Purpose

A Business Purpose Program is a loan program designed solely for business income purposes. This type of loan is typically extended to seasoned real estate Investors using non-occupant residential properties (up to four units) for collateral.