Non-Conforming Mortgage Loans

Finding you the mortgage you deserve

Non-Conforming Mortgage Loans

Non-Conforming Mortgage Loans

A non-conforming loan is a home loan that does not conform to the underwriting guidelines set forth by the government-sponsored enterprises Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation).

We offer a number of options for non-traditional income for our borrowers who may not fit into a perfect box.  We specialize in finding a solution for unique situations.

Call or email today for more details!

Non-Conforming Mortgage Loan Advantages

  • An option if you are unable to qualify for a conforming mortgage.
  • Higher loan amounts available in the case of jumbo loans.
  • Depending on the loan option, you might be able to buy different types of property than you could with a standard conforming loan.
  • You might be able to get a non-conforming loan if you have a negative mark on your credit like a recent bankruptcy.

Non-Conforming Mortgage Loan Disadvantages

  • A minimum down payment of 20% or more.
  • Stricter credit-qualifying criteria, with more scrutiny of your credit profile and income.
  • A higher mortgage interest rate.

What's Next?

Get in Touch

First time buyer or refinancing? Call for a free quote!

learn more

Apply Now

We shop for the best mortgage option at no charge to you.

learn more

Mortgage Calculators

Crunch the numbers and explore your mortgage options!

learn more
users image

Hi, How can I help you?