As a direct lender, we work with borrowers who don’t satisfy the requirements set by the Consumer Financial Protection Bureau due to your unique credit or income situation. A Non-QM loan, also known as a non-qualified mortgage loan, is a loan option for individuals who are ready for homeownership or refinancing and can meet the monthly payment terms, but financial documentation may be unconventional. The Adame Team at Caliber Loans will work with you to help you understand what loan options are available to help you achieve your homeownership goals.