Top 5 Best Non-QM Loan Providers of April 2026
Need a home loan?
These providers don't require a W2 or tax return.
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Non-QM Loans Explained
Last Updated: April 16, 2026
Non-QM Loans (like Bank Statement Loans or DSCR Loans) are home loans best suited for small business owners, individuals who have been self-employed for at least two years, investors, and foreign national borrowers.
Lenders use bank statements or other documents to verify and evaluate a potential borrower's income instead of using W2s or tax returns as they would for a traditional mortgage.
What is a Non-QM Loan?
Advantages
- No W2s, tax returns, or pay stubs required
- Higher debt-to-income ratios are usually accepted
- Often have above average loan limits
- Can be used for both primary residences as well as second homes or investment purchases
Disadvantages
- May have higher interest rates than a traditional mortgage
- Larger down payment may be required
- Not offered by all lenders
Independent Reviewer Methodology
Our team rates Non-QM Lenders out of 5 stars, with 5 being the highest, by taking into account a number of factors such as years in business, number of product offerings, number of states licensed, whether they offer free consultations, customer service quality, and online reviews as well as other criteria. We aim to provide information to consumers to aid them in making a decision on which lender is best suited for them.
Advertiser Disclosure
- 15+ Years Mortgage Industry Experience
- Free Consultation Available
- Available in 20+ States
View Website(844) 918-1886
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Specializing in CA, FL, TX, & WA
View Website(408) 809-3622
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Free Consultation Available
View Website(844) 506-2302
HighTechLending
Our #1 Rated Private Mortgage Lender
- Specializing in CA, FL, MD, TX, VA & WA
- Ideal Mortgage Solution for Self-Employed Individuals, Investors, and Foreign Nationals
- Offers Bank Statement Loans and Non-Qualified Mortgage Loans
Get Free Consultation(408) 809-3622
Our Partner
- 20+ Years Mortgage Industry Experience
- Free Consultation Available
- Available in 40 States
HighTechLending
Our #1 Rated Private Mortgage Lender
- Specializing in CA, FL, MD, TX, VA & WA
- Ideal Mortgage Solution for Self-Employed Individuals, Investors, and Foreign Nationals
- Offers Bank Statement Loans and Non-Qualified Mortgage Loans
Get Free Consultation(408) 809-3622
Our Partner
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Free Consultation Available
View Website(844) 506-2302
Griffin Funding
Our #1 Rated Private Mortgage Lender
- Offers Personalized Assistance
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Free Consultation & Quick Closings
- A+ BBB Rating & 10+ Years Serving Clients
Get Free Consultation(844) 506-2302
Our Partner
Griffin Funding
Our #1 Rated Private Mortgage Lender
- Offers Personalized Assistance
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Free Consultation & Quick Closings
- A+ BBB Rating & 10+ Years Serving Clients
Get Free Consultation(844) 506-2302
Our Partner
- Ideal Solution For Investors & Self-Employed
- $150k+ Loan & US Property Only
- No 2nd Mortgages Or Foreign Nat. Products
View Website(303) 731-4188
- Ideal Solution For Investors & Self-Employed
- $150k+ Loan & US Property Only
- Free Consultations (No Foreign Nat. Products)
View Website(303) 731-4188
Barrett Financial Group
Our #1 Rated Private Mortgage Provider
- Ideal Solution For Investors & Self-Employed
- 20+ Years Mortgage Industry Experience
- $150k+ Loan & US Property Only
- No 2nd Mortgages Or Foreign Nat. Products
Get Free Consultation(303) 731-4188
Our Partner
Barrett Financial Group
Our #1 Rated Private Mortgage Provider
- Ideal Solution For Investors & Self-Employed
- 20+ Years Mortgage Industry Experience
- $150k+ Loan & US Property Only
- No 2nd Mortgages Or Foreign Nat. Products
Get Free Consultation(303) 731-4188
Our Partner
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Specializing in CA, FL, TX, & WA
View Website(408) 809-3622
West Capital Lending
Our #1 Rated Private Mortgage Provider
- Self-Employed & 1099 Bank Statement Loans
- DSCR No Income Investor Loans
- A+ BBB Rating & Foreign Nat. Products
- Free Consultation & Quick Closings
Get Free Consultation(949) 696-4685
Our Partner
West Capital Lending
Our #1 Rated Private Mortgage Provider
- Self-Employed & 1099 Bank Statement Loans
- DSCR No Income Investor Loans
- A+ BBB Rating & Foreign Nat. Products
- Free Consultation & Quick Closings
Get Free Consultation(949) 696-4685
Our Partner
- Self-Employed & 1099 Bank Statement Loans
- Foreign Nat. Products
- Free Consultation Available
View Website(949) 696-4685
- Self-Employed & 1099 Bank Statement Loans
- A+ BBB Rating & Foreign Nat. Products
- Free Consultation & Quick Closings
View Website(949) 696-4685
- Self-Employed & 1099 Bank Statement Loans
- Foreign Nat. Products
- Free Consultation Available
View Website(949) 696-4685
Who these companies are a match for:
✅ Home Loans
✅ FICO Score: 600+
✅ Loan Amount: $150k+
✅ Down Payment: 10%+
╳ Personal, Land or Auto Loans
╳ Zero Down Loans
╳ Agent or Appraisal Inquiries
╳ Broker Wholesale Requests
- Self-Employed & 1099 Bank Statement Loans
- $150k+ Loan & US Property Only
- Free Consultations (No Foreign Nat. Products)
View Website(303) 731-4188
- 20+ Years Mortgage Industry Experience
- Free Consultation Available
- Available in 40 States
Barrett Financial Group
Our #1 Rated Private Mortgage Provider
- Ideal Solution For Investors & Self-Employed
- 20+ Years Mortgage Industry Experience
- $150k+ Loan & US Property Only
- No 2nd Mortgages Or Foreign Nat. Products
Get Free Consultation(480) 906-3530
Our Partner
Barrett Financial Group
Our #1 Rated Private Mortgage Provider
- Ideal Solution For Investors & Self-Employed
- 20+ Years Mortgage Industry Experience
- $150k+ Loan & US Property Only
- No 2nd Mortgages Or Foreign Nat. Products
Get Free Consultation(480) 906-3530
Our Partner
- Ideal Solution For Investors & Self-Employed
- $150k+ Loan & US Property Only
- Free Consultations (No Foreign Nat. Products)
View Website(480) 906-3530
- Self-Employed & 1099 Bank Statement Loans
- $150k+ Loan & US Property Only
- Free Consultations (No Foreign Nat. Products)
View Website(480) 906-3530
Forward Loans
Our #1 Rated Private Mortgage Provider
- Specializing in AZ, CA, CO, FL, OR, TX & WA
- Ideal Solution For Investors & Self-Employed
- Bank Statement & Non-QM Loans
- DSCR No Income Investor Loans
Get Free Consultation(949) 787-5889
Our Partner
Forward Loans
Our #1 Rated Private Mortgage Provider
- Specializing in AZ, CA, CO, FL, OR, TX & WA
- Ideal Solution For Investors & Self-Employed
- Bank Statement & Non-QM Loans
- DSCR No Income Investor Loans
Get Free Consultation(949) 787-5889
Our Partner
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Free Consultation Available
View Website(844) 506-2302
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Specializing in CA, FL, TX, & WA
View Website(408) 809-3622
- Self-Employed & 1099 Bank Statement Loans
- $150k+ Loan & US Property Only
- Free Consultations (No Foreign Nat. Products)
View Website(480) 906-3530
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Specializing in CA, FL, TX, & WA
View Website(949) 787-5889
- Self-Employed Bank Statement Loans
- DSCR No Income Investor Loans
- Specializing in CA, FL, TX, & WA
View Website(949) 787-5889