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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.


Armando BarbosaArmando Barbosa
17:38 22 Mar 24
The key to any financing resource is communication. The good news is that Fernando always answers his calls, if not immediately, within a very reasonable time frame. He is a unique resource.
Kathy CotsakisKathy Cotsakis
17:49 18 Mar 24
A Huge Shout Out to Christian DiMaggio and his team, I had a really tough file and he identified the potential issues AND most importantly the SOLUTION needed for exceptions and to bring the file to a close when other NQM lenders could not! I and my happy Borrowers THANK YOU Christian!
Erin AdairErin Adair
19:08 06 Mar 24
Christian, is absolutely amazing at his job! He is very knowledgeable, diligent and thorough with each file. He will do everything in his power to make it to the closing table. Simply the BEST.
Jessica LakeJessica Lake
15:51 05 Mar 24
Christian is amazing!! From the beginning he set up the right expectations but also figured out the best way to structure a difficult deal that no one else could get done! HomeXpress was able to help get us to the closing table and I’m so thankful for all of Christian’s help and the HomeXpress team! Thank you again and can’t wait for our next deal together!!
Eric EisenbergEric Eisenberg
20:15 22 Dec 23
As a seasoned mortgage professional with 25 years of experience and a top 50 ranking in the USA by Scotsman's Guide, my go-to choice for Non-QM lending is unequivocally Home Express Mortgage. Their unmatched proficiency often makes them my sole option; if they can't facilitate a deal, it's likely not worth pursuing. The synergy and understanding they bring to the entire mortgage process are exceptional.My account representative, Melanie McLanahan, is particularly noteworthy. Her deep appreciation for the effort realtors put into acquiring clients and generating referrals is evident. She understands the significance of each transaction to us and fosters a genuine partnership. Her commitment to exhaustively work through deals alongside me, with a shared goal of ensuring clients can responsibly afford their mortgage payments, is invaluable.The support team, including Erik and Angie, enhances this experience. Erik's regular updates with rate sheets and insightful market intelligence are indispensable. Meanwhile, Angie's efficiency in clearing conditions is nothing short of remarkable, akin to an expert navigating challenges with precision and skill.Their proactive communication, always being a step ahead, and their dedication to making every deal and relationship count, resonate strongly with me. It's a privilege to collaborate with a team that mirrors my dedication as a mortgage broker, and Home Express Mortgage embodies this ethos perfectly.
Dustin AndersenDustin Andersen
17:46 01 Nov 23
I wanted to take a moment to express my appreciation for the remarkable customer service we’ve received from Sara Walker.Sara’s dedication and commitment to providing exceptional customer service have truly stood out. Her attention to detail, professionalism, and willingness to go the extra mile to ensure customer satisfaction are commendable. It’s not every day that you come across someone who consistently exceeds expectations.Sara’s ability to address all concerns and resolve issues promptly, and deliver a positive experience has greatly contributed to our confidence in your company’s services. Her approach is a shining example of what excellent customer service should be.We believe that recognizing and appreciating exceptional team members is essential, and I wanted to make sure you were aware of the impact Sara has had on our experience as customers. She represents your company in a manner that reflects positively on your brand.Thank you for having such a dedicated and skilled professional like Sara on your team. We look forward to continuing our partnership and receiving the same level of outstanding service.Please extend our gratitude to Sara, and we hope her dedication and passion are acknowledged within your organization.
Kevin RodriguezKevin Rodriguez
04:56 21 Sep 23
One of the best NonQm Lenders by far! with AE Laurie Souza
Rosa RodriguezRosa Rodriguez
18:51 20 Sep 23
Working with Christian DiMaggio has been a delight. He has been nothing but professional, courteous and extremely helpful throughout the loan process. HomeXpress have an excellent employee. Really enjoy working with him. Highly recommend and will definitely use them again!!!!!
Stella StoyanovaStella Stoyanova
13:49 15 Sep 23
Christian is one of the best AE I have ever worked with. Extremely knowledgeable, friendly, and always available to answer your question. Great Experience. I highly recommend Christian and his team.
Luisa gomezLuisa gomez
21:56 06 Sep 23
Keith and Angela, are the best team to do DSCR we love to work with them, and they do their best to close the loan fast and easy way!!!! they are one of our preferred lender in DSCR
Mathew HermanMathew Herman
10:30 01 Sep 23
I've been sending HomeXpress. The majority of my business for over 2.5 years. They have THE BEST service in the NonQM space. My Rep fights hard to make my tougher deals work and the easy ones fly through from submission to closing in days not weeks . They are the best. I'm actually 2nd guessing my review because I want to keep them all to myself !!!!
Alicia PAlicia P
21:20 25 Aug 23
I have worked with a number of Lenders/Account Executives since I started my career. Stefanie Marabella & her Team at HomeXpress are unmatched in what they provide to my company and our mutual clients as a whole. I know when bringing a scenario to Stefanie, she is going to be fully transparent from the start. With her extensive knowledge, I know that we are structuring the deal to best meet the needs of our clients. Not all deals are seamless, but I wouldn't want to navigate unexpected obstacles with anyone else. I would highly recommend Stefanie & her team to anyone who is looking for not only a solid business partner, but someone who is honest, personable, & who always has your best interest at heart.