Austin Non-QM Loans – Flexible Mortgage Solutions for Unique Situations

Secure a Non-QM loan in Austin with flexible qualification options that traditional lenders don't offer. LendFriend specializes in helping self-employed professionals, investors, and borrowers with unique financial situations get approved quickly, often when other lenders have said no.

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Flexible Mortgage Solutions Tailored by LendFriend

Our Austin mortgage experts provide Non-QM loans based on your true financial picture, not just tax returns. We help borrowers across Austin who have the means to make payments but don't fit conventional lending guidelines.

Efficient closings with competitive pricing

Our streamlined process closes Non-QM loans in just 22 days, with competitive rates and flexible fee options. Repeat clients and certain professionals like first responders and teachers enjoy special pricing benefits.

Pre-qualify online in minutes

Complete our 7-minute online application for same-day pre-qualification without lengthy paperwork.

Get support from a local, dedicated team

Access Austin mortgage experts who know the local market, with 7-day-a-week support throughout your loan process.

Borrowers Who Benefit Most from Non-QM Financing

Non-QM loans are the perfect solution if you've been turned down by conventional lenders despite having strong finances. These loans accommodate situations that traditional mortgage programs simply weren't designed to handle.

Self-employed professionals and 1099 earners

Austin entrepreneurs can qualify using bank statements instead of tax returns, reflecting your true income rather than tax-minimized earnings.

Real estate investors and entrepreneurs

Invest in Austin's prime areas from The Domain to Mueller using our property-based qualification that considers rental income potential, not just your personal finances.

Buyers with recent credit events or non-traditional income

Past credit challenges won't stop your Austin homeownership dreams with our flexible solutions designed for situations traditional lenders reject.

Loan Options Available Through LendFriend

We offer multiple Non-QM solutions customized to your specific financial situation. Our programs work with your strengths, whether that's business income, significant assets, or investment property potential.

Bank statement mortgage programs

Qualify using 12-24 months of bank statements instead of tax returns. Perfect for self-employed professionals in Austin's thriving business districts.

DSCR loans for rental properties

These loans qualify you based on the property's rental income potential rather than your personal income. Ideal for building your investment portfolio in high-demand rental areas like UT Austin.

Asset-based and profit & loss qualifying options

Use your significant assets or business P&L statements to qualify without traditional income verification. These programs work well for established business owners throughout Austin.

Streamlined Process Designed for Speed and Clarity

Our mortgage process eliminates unnecessary steps while maintaining thorough evaluation of your unique financial situation. We've refined every aspect to provide a clear path to approval.

Minimal documentation requirements

Submit only what's truly needed – no excessive paperwork or redundant forms. Our process focuses on documentation that actually matters for your specific situation.

Smooth closings with no last-minute surprises

Our thorough upfront work ensures a predictable, stress-free closing. We coordinate with title companies throughout Austin to ensure everything is ready when you are.

Frequently Asked Questions

What credit score do I need to qualify?

Our Non-QM programs can work with scores as low as 620, depending on your overall financial picture. We evaluate your complete situation, not just a single number.

Are non-QM interest rates higher than conventional loans?

Non-QM rates are typically slightly higher than conventional rates, reflecting the flexible standards. However, the ability to qualify now rather than waiting often outweighs this difference.

Can I get approved after a bankruptcy or foreclosure?

Yes – our Non-QM programs can provide approval just one day after a bankruptcy, foreclosure, or short sale. We focus on your current financial stability, not your past.