Embedded Files
Get approved with 1099 income, bank statements, or asset-based financing — no W-2s required.
Why Non-QM Loans / Alt Doc Loans?
If you’re self-employed, receive 1099 income, or rely on rental or investment earnings, qualifying for a traditional mortgage can be tough. Non-QM (Non-Qualified Mortgage) loans offer a smart solution — with flexible documentation and custom underwriting that aligns with your real income. Perfect for high-credit borrowers who fall outside conventional guidelines.
Who This Is For?
Self-employed business owners with strong cash flow
Independent contractors, freelancers, & 1099 earners
Investors using rental income or DSCR qualifications
Buyers with high assets but limited reportable income
What We Offer
12- and 24-month bank statement loans
DSCR (Debt-Service Coverage Ratio) investor loans
Asset depletion programs
Interest-only and alternative income options
No tax return loans (on select programs)
Loan amounts up to $5 million
Available across Greater Los Angeles, Orange, and Ventura Counties
Why Marcel Garcia at 818 Mortgage for your Alt Doc / Non QM Loan
With over 20 years of experience serving Greater Los Angeles, Marcel Garcia is one of California’s top-performing mortgage brokers. We understand how to navigate complex financial profiles and structure Non-QM loans that close fast — even when traditional banks say no. Based in Southern California and serving the entire state with no call centers.
FAQs About Alt Doc / Non-QM Loans
What is a Non-QM loan?
A Non-Qualified Mortgage is a loan that doesn’t meet agency guidelines but still allows qualified borrowers to finance a home using alternative income documentation.
Can I qualify without tax returns?
Yes. We offer programs that use bank statements, 1099s, or asset verification instead of tax returns.
How fast can I close?
Our average Non-QM file closes in 21–30 days. Faster closings are available depending on documentation.
Do I need a high credit score?
Most Non-QM programs require a credit score of 660 or higher, but we have options for borrowers recovering from credit events.
Are Non-QM loans more expensive?
They may carry slightly higher rates, but they allow buyers to qualify when traditional financing is not an option — often with less stress and more flexibility.
Google Sites
Report abuse