Non-QM
Mortgages

WE SHOP 48 DIFFERENT LENDERS SO YOU DON'T HAVE TO

✓ Bank Statement Loans
✓ DSCR Investment Loans
✓ Asset Depletion
✓ No Tax Returns
Get Your Rate in 3 Minutes

No credit impact • No hidden fees

Today's Non-QM Rates

Personalized rates. Lightning fast.

Bank Statement Loan

7.25%
Starting Rate
  • 12 or 24-month bank statements
  • Self-employed & business owners
  • Purchase or refinance
  • Up to $3.5M loan amount
Get My Rate
Most Popular

DSCR Investment Loan

7.49%
Starting Rate
  • No income verification
  • Rental property cash flow
  • Fix & flip or long-term rental
  • Portfolio loans available
Get My Rate

Asset Depletion Loan

7.75%
Starting Rate
  • Qualify with assets, not income
  • Retirees & high-net-worth
  • Stocks, bonds, retirement accounts
  • Up to $4M loan amount
Get My Rate

Rates current as of May 17, 2026. Sample rates for qualified borrowers. Actual rate depends on credit, property, and loan details.

Our Superpowers

The loan types traditional banks won't touch

🏠

Bank Statement Loans

Self-employed? Business owner? Show us your bank statements instead of tax returns.

🏢

DSCR Investment Loans

Qualify based on rental income, not your W-2. Perfect for real estate investors.

💰

Asset Depletion

Retired with assets? Qualify using your investment and retirement accounts.

🌎

Foreign National Loans

No U.S. credit? No problem. We work with international buyers.

📈

1099 & Gig Worker Loans

Freelance or contract income? We get it. And we can help.

🔨

Fix & Flip Loans

Fast funding for investors. Rehab budgets included. Portfolio options.

ONE CALL. 48 LENDERS.

48
Lenders in our network = best rate guaranteed
SIMPLE
So simple my Mom could beat it
FLEXIBLE
It's about YOUR schedule, not ours
$0
Hidden fees. Seriously. Zero.

Real Heroes. Real Stories.

⭐⭐⭐⭐⭐

"Traditional banks kept denying me because I'm self-employed. America's Best Lenders got me approved in 48 hours using my bank statements. Best rate I found anywhere."

— Carlos M., San Diego

⭐⭐⭐⭐⭐

"I'm a real estate investor buying my 7th property. DSCR loan with no income docs? Game changer. Closed in 21 days."

— Jennifer T., Phoenix

⭐⭐⭐⭐⭐

"Retired with assets but no traditional income. They helped me qualify using my investment accounts. So easy."

— Robert K., Austin

Ready to Be a Hero?

Get your personalized Non-QM rate in 3 minutes

📞 Call (619) 927-ROCK or Start Application

No credit impact • No obligation • No BS