Want The Top Non-QM Lenders in Florida? Use DAK Mortgage

We connect our clients with the top non-QM lenders in Florida. Rely on our expertise to match you with the best non-qualified mortgage lender for your situation.

What can the best non-qualified mortgage lenders offer you?

If you’ve had your mortgage application denied, you’re not alone.

Many borrowers need non-traditional mortgage loans called non-QM loans.

Non-QM lenders are willing to take on more risk than traditional lenders.

You may have a low credit score or a high debt-to-income ratio, or the property itself may be risky (e.g., nonwarrantable condo, large acreage property, short-term rental property).

Applying to a creative, non-QM lender that employs common sense underwriting might just be your optimal route to approval.

Soar to new heights with the best non-QM lenders in Florida

What do the best non-conforming mortgage lenders have in common? Creativity and flexibility. Understanding that not every borrower fits the traditional mold, non-QM lenders offer a full spectrum of loan programs for even the trickiest of situations.

Here we highlight three of the most classic products offered by non-QM lenders: jumbo and super jumbo loans, foreign national loans, and self-employed loans. Explore the full range of programs offered by unconventional mortgage lenders.

JUMBO AND SUPER JUMBO LOANS

While traditional lenders shy away from high loan amounts, our non-QM lenders understand the complexities of larger loan amounts, offering up to 80% LTV up to $7.5 million.

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FOREIGN NATIONAL LOANS

Some banks do not lend to foreign nationals at all. Our lenders have special programs allowing foreign nationals from any country to invest in U.S. real estate.

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SELF-EMPLOYED SOLUTIONS

Our lenders allow alternative income documentation, such as bank statements and profit-and-loss statements, acknowledging the varied nature of self-employment income.

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Non-QM loans in Florida to suit you

We are not a traditional bank. As a mortgage broker with access to a network of the best non-QM mortgage lenders, we can tailor your loan to your exact needs.

Whatever the issue may be, our non-QM lenders have a solution.

No-ratio loans: no calculation of DTI

The no-ratio loan is a groundbreaking non-QM loan for purchasing or refinancing owner-occupied properties. Your debt-to-income ratio (DTI) is not calculated, and there's no requirement to verify your employment or income. Offered by just a few non-QM lenders in the country, these loans are attractive to self-employed individuals with complex or non-standard income streams, as well as to borrowers who prioritize financial privacy.

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Non-warrantable condo loans

You might have your eye on a property that falls outside the scope of Fannie Mae and Freddie Mac's guidelines. This is particularly true when it comes to financing non-warrantable condominiums, a property type that traditional lenders refuse to lend on. Our non-QM lenders are willing to lend on non-warrantable condos, whether the issue is low reserves in the budget, construction defect litigation, or high investor concentration.

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Investment property loans

Whether your goal is to acquire a new investment property to enhance your existing portfolio, or to refinance an existing mortgage, our non-QM lenders can help. Loan solutions are available such as debt service coverage ratio (DSCR) loans, rental portfolio loans, and loans for short-term rental properties. Our flexible lending options are tailored to support your investment aspirations.

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Let's discuss your scenario

How do you find non-QM mortgage lenders in Florida?

Recognizing that your loan scenario doesn’t satisfy a traditional lender’s criteria is only half the battle.

The next step is finding the best non-QM lender with the best program for your situation.

Since most non-QM lenders operate on a wholesale basis, applications can only be submitted through a licensed mortgage broker.

At DAK Mortgage, our expertise lies in collaborating with the leading non-QM wholesale lenders nationwide.

Working with us saves valuable time, as we have established direct contacts with key individuals at these lending institutions. This insider access allows us to expedite your loan application process.

If you’re in the market to purchase a new property or aiming to refinance your existing one, we’re here to connect you with the non-QM lender that fits your circumstances.

We work with the top non-QM mortgage lenders

Where traditional lenders may fall short, our lenders specialize in creative non-QM loans in Florida that get you to the closing table.

Non-QM lending: FAQs

Is a non-QM loan a good idea?

A non-QM loan can be a good choice for borrowers who don’t meet traditional lending criteria due to unique income streams, credit histories, or tricky property types. While offering flexibility, it’s important to carefully consider the potentially higher interest rates and specific terms of these loans.

Who qualifies for non-QM loans?

Non-QM loan candidates include borrowers who do not show adequate income on their tax returns, such as self-employed or freelance workers, and those with higher debt-to-income ratios or credit issues. They also cater to borrowers looking to purchase or refinance difficult properties such as non-warrantable condominiums or short-term rental properties.