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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.


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.