Non-conventional & non-QM home loans
Self-employed? Retired and living off savings? Buying a rental? Had a rough patch on your credit? Your situation isn't a problem — it's our specialty.
Which one sounds like you?
Here's the honest truth: the best rate a bank ever quoted most of our clients was "no." Our brokers shop dozens of specialty lenders to find the strongest rate your actual situation qualifies for — and they'll tell you plainly if a conventional loan would serve you better.
How it works
No credit check. No login. No pressure.
Every broker in the AdaptLend network is vetted for real financial credentials and a track record of closing non-conventional loans.
CPAEx-Underwriter
18 years in lending. Specializes in bank-statement loans for business owners and the self-employed.
Closed 140+ bank statement loans · Avg. 21 days to close
CFAMBA, Finance
Former portfolio analyst. Specializes in DSCR and investor loans — if the rent works, Ray makes it work.
Closed 200+ investor loans · Avg. 19 days to close
CFP®Retirement Specialist
Helps retirees qualify on assets instead of paychecks, and guides families through reverse mortgages honestly.
Closed 90+ asset-based loans · Avg. 24 days to close
"The bank turned us down twice because of how our business income looks on paper. Diane had us cleared to close in nineteen days."
"I'm 71 and retired. Nobody would count my savings until AdaptLend. It felt like talking to a friend who happened to know mortgages."
"Rental number four. The rent qualified the loan, not my W-2 — exactly how it should work. Closed in three weeks."
"QM" stands for Qualified Mortgage — the standard, one-size-fits-all loan banks prefer. "Non-QM" simply means the loan is documented differently: with bank statements, savings, or rental income instead of a W-2. It's a real, regulated mortgage — just measured on what you actually have.
No. Our questions never touch your credit report. A credit check only happens later, if and when you choose to move forward with a broker.
Often somewhat, yes — flexibility has a price, and we won't pretend otherwise. Our brokers shop dozens of lenders to find the best rate your situation qualifies for, and if a conventional loan would actually serve you better, they'll say so.
We match you with one to three brokers who specialize in loans like yours. One of them calls you within a business day — a real person, licensed in your state, who has closed this exact kind of loan before.
Two minutes · No credit check · No obligation