Specialty products

Not every borrower fits a standard loan, and that’s where specialty products come in. They’re designed for situations that traditional guidelines don’t always handle well.

Self-employed borrowers

If you’re self-employed, your tax returns may not show the full picture of what you earn. Some programs let you qualify using bank statements or other records of your business income instead of tax returns alone.

Real estate investors

For investment properties, some programs look at the property’s expected rental income rather than your personal income. These can help investors buy or refinance rental homes.

Non-QM loans

Non-qualified mortgage (non-QM) loans follow their own guidelines outside the standard qualified-mortgage rules. They can help with things like recent credit events, non-traditional income or unique properties. Terms can differ from conventional loans, so it’s important to understand the details.

A licensed loan officer can review your situation and explain which specialty options may be available to you and how they compare. Eligibility, underwriting and property requirements apply.