Q: What is the difference between QM and NonQM loans?
QM (Qualified Mortgage) loans meet specific federal guidelines — typically requiring W-2 income, full documentation, and DTI under 43%. NonQM loans are for borrowers who don't fit that box — self-employed, investors, ITIN holders, foreign nationals. We offer both.
Q: How fast can I close a loan?
Residential loans average 15 days from application. Commercial loans average 50 days. Some refinances have closed in as little as 10 days. Speed depends on how quickly documentation is provided.
Q: Do you require tax returns?
For QM conventional loans, yes. For NonQM programs like Bank Statement, DSCR, WVOE, and Asset Depletion — no tax returns are ever required.
Q: Can I get a loan without a Social Security Number?
Yes. ITIN borrowers and foreign nationals can qualify through specialized programs using alternative credit documentation — rent history, utility payments, and bank statements.
Q: What states do you lend in?
QM loans are currently available in California. NonQM and specialty loans are available nationwide. Commercial real estate loans are nationwide.
Q: How do I start the process?
Click Apply Now to complete a secure application through ZipForHome, or call us at 510-786-8739. You can also get pre-qualified with no credit pull in about 60 seconds on our homepage.
Q: Do you offer Islamic (Sharia-compliant) loans?
We do not originate Islamic loans directly, but we work with certified Islamic lenders and connect you to the right partner for Sharia-compliant financing.
Q: What is a DSCR loan?
A Debt Service Coverage Ratio loan qualifies you based on the rental income of the property — not your personal income. Perfect for investors. No W-2s, no tax returns, no personal income verification required.