Loan Programs
Not every borrower fits neatly into traditional lending guidelines. TFG Mortgage offers a range of Non-QM loan programs designed to provide more flexible financing options for self-employed borrowers, real estate investors, independent contractors, foreign nationals, and others with unique financial profiles.
Program Overview
Watch this short overview to see how these programs work and whether they could be a fit for your goals.
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Loan Options
Qualifies using the property’s rental income rather than your personal income. If market rent covers the payment and expenses, you may qualify.
Qualifies self-employed borrowers using CPA-prepared profit and loss statements instead of tax returns.
Qualifies using 12 or 24 months of bank statements instead of tax returns. Designed for self-employed borrowers with strong cash flow.
Conventional-style documentation for borrowers who do not fit agency guidelines. Helpful for self-employed profiles or recent credit events.
Verifies income with an employer’s written confirmation instead of tax returns or W-2s. Useful when standard docs are hard to provide.
Uses 1099 forms and bank deposits to verify income. Perfect for gig workers and contractors without W-2s.
Allows borrowers to qualify based on liquid assets instead of employment or income. Great for retirees or high-net-worth clients.
Designed for international buyers without U.S. credit or income. Qualification is based on foreign assets and property value.
For borrowers without a Social Security number. Uses an Individual Taxpayer Identification Number (ITIN) to secure financing.
Is It Right for You?
Every financial situation is different. Our team will review your goals and help you compare options side by side.
Let’s Talk
Our team will walk you through the programs that fit your goals and answer every question along the way.
