Non-QM Loans
Flexible Financing for Unique Situations
If you are self-employed, a business owner, or a high-net-worth investor, traditional tax returns don’t always tell your full financial story. At Skynet Financial Co., our Non-QM (Non-Qualified Mortgage) programs look beyond the standard “W-2 box” to find common-sense lending solutions based on your real cash flow and assets. We specialize in helping “outside-the-box” borrowers in Tustin and throughout California secure the properties they deserve without the red tape of big-box banks.
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Qualification Without the Tax Returns
Standard bank loans require two years of consistent W-2s and tax returns, which can be a major hurdle for entrepreneurs who utilize legal deductions to grow their businesses. Our Non-QM products solve this by offering Bank Statement Programs, where we use your actual monthly deposits to verify income rather than just your taxable bottom line. This allows us to see the true strength of your business and provide a loan amount that reflects your actual purchasing power.