Non-QM Loans in Phoenix, AZ
Non-QM loans use alternative documentation — bank statements, asset depletion, and more — for borrowers outside standard guidelines.
About Non-QM loans
What this loan type means for Phoenix buyers.
Self-employed borrowers, bank-statement income, asset depletion, and other non-traditional documentation paths.
Borrowers in Phoenix, Arizona can use Non-QM financing for primary residences in most cases, subject to the 2026 loan limit applicable to Arizona. Talk to a licensed loan officer to confirm eligibility for your situation — credit, debt-to-income ratio, and property type all factor into approval.
Before reaching out, verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder shows source-linked review snapshots where available but is not a lender and does not originate loans.
Borrower fit
Who Non-QM loans are for in Phoenix.
Non-QM (non-qualified mortgage) loans serve borrowers who can document the ability to repay but don't fit the standard Fannie/Freddie or government boxes — self-employed borrowers using bank statements, real-estate investors using rental cash flow, asset-rich/income-light borrowers, foreign nationals, and borrowers with recent credit events outside the conventional waiting periods.
