Buy your next home, your way
Get a mortgage built around how you actually earn. Whether you're a W-2 employee, self-employed, an independent contractor, or qualifying with assets, our team can help you find a loan that fits.
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What is a non-QM mortgage?
Non-QM (non-qualified mortgage) loans are home loans that fall outside the strict income rules used by conventional lenders. Instead of relying on W-2s and tax returns alone, non-QM loans let you qualify using bank statements, 1099s, assets, or other documentation that better reflects how you actually earn. They're a flexible path to a primary residence, second home, or vacation home for borrowers whose finances don't fit a standard box.
We make it easy to finance your next home
Share Your Story
Tell us about your income, your home goals, and your timeline. We'll help you understand which loan programs could fit your situation.
Get Matched and Approved
Our representatives walk you through your options and confirm your rate and terms. We focus on the documentation that reflects how you actually earn.
Close on Your New Home
Once you're approved, we coordinate the closing process and keep you informed at every step.
Why homebuyers choose Truehold Financial
Flexible Qualification
W-2s aren't the only way to prove you can afford a home. We work with bank statements, 1099s, assets, and other documentation to match how you actually earn.
A Real Conversation, Not a Form
Loan qualification isn't always straightforward. Our representatives take the time to understand your situation and walk you through the programs that actually fit, before you fill out a single application.
Built for Today's Borrowers
Self-employed professionals, gig workers, freelancers, and asset-rich borrowers make up a growing share of homebuyers. Our programs are designed with them in mind.
Dedicated Representatives
Work with loan representatives who understand non-traditional income. We take the time to learn your situation and guide you through every step.
More ways to qualify than you might think
The way people earn income has changed, but most lenders haven't kept up. If you're self-employed, work on contract, live off investments, or have a credit history that doesn't fit a standard template, conventional loan applications can feel like a dead end.
We offer a range of loan programs designed for exactly these situations. Some use bank deposits to verify income. Others look at your assets, your 1099s, or your full financial picture instead of a single credit score. The right fit depends on the details, which is why we'd rather have a real conversation than send you down the wrong path.
Talk to a loan representative
Or call us at (314) 353-9757
Non-QM Loans vs. Conventional Loans
Non-QM Loan
Conventional Loan
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Ready to buy?
Get matched with a loan program built for how you actually earn. Talk to a Truehold Financial loan officer today.