What does Non-QM mean?

Non-QM stands for “Non-Qualified Mortgage,” meaning loans that don’t follow conventional lending rules but are still fully verified and compliant.

Who are 30-Year Non-QM loans for?

Self-employed investors, business owners, and borrowers with complex income structures.

Can I use this for rental properties?

Yes, it’s ideal for long-term rental or buy-and-hold strategies.

Do I need tax returns to qualify?

Not always—many borrowers use alternative documentation.

What’s the typical closing time?

Most loans close within 3–4 weeks.

30-Year Non-QM Loans

Long-Term Financing for Real Estate Investors

Creare Capital Lending’s 30-Year Non-QM Loan Program gives investors access to flexible, full-term financing outside traditional bank restrictions. Ideal for rental properties, cash-out refinances, and investors with unique income structures.

Non-QM (Non-Qualified Mortgage) loans are designed for self-employed borrowers and investors who need custom underwriting solutions. Enjoy competitive rates, flexible documentation, and long-term stability without the red tape.

Program Highlights

Fixed & Adjustable Rates Available

30-Year Terms

Up to 80% LTV

Loan Amounts: $100K – $5M

Interest-Only Options Available

For Investment Properties Only

No Prepayment Penalties

Frequently Asked Questions (FAQ)

What does Non-QM mean?
Non-QM stands for “Non-Qualified Mortgage,” meaning loans that don’t follow conventional lending rules but are still fully verified and compliant.
Who are 30-Year Non-QM loans for?
Self-employed investors, business owners, and borrowers with complex income structures.
Can I use this for rental properties?
Yes, it’s ideal for long-term rental or buy-and-hold strategies.
Do I need tax returns to qualify?
Not always—many borrowers use alternative documentation.
What’s the typical closing time?
Most loans close within 3–4 weeks.

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