Non-QM Loans Available with Credit Scores as Low as 550

Most lenders require a 620+ credit score for Non-QM financing because they rely on automated approval systems. But Non-QM (Non-Qualified Mortgage) programs were designed for borrowers with alternative income situations — like self-employed individuals or those without W-2s — and can help you qualify even with lower credit.

📜 What Are Non-QM Loans?

Non-QM (Non-Qualified Mortgage) loans were created in 2014 as an alternative for self-employed individuals or those who don’t receive W-2s.

• Traditional mortgages require verifiable income, which many self-employed borrowers cannot fully document.

  How Non-QM Loans Work

  • Alternative Income Verification: Use bank statements, rental income, or liquid assets instead of traditional W-2s.

  • Flexible Credit Requirements: More lenient on credit history and job stability.

  • Larger Loan Opportunities: Allows borrowers to qualify for a mortgage they might not otherwise get.

💳 Credit Score Guidelines

✅ We close loans others can’t.

📍 Licensed States

California, Florida, Georgia, Illinois, North Carolina, South Carolina, Tennessee

📞 Contact Us

• Call/Text: 224-420-9990

• Email: bbutler@barclaybutlerfinancial.com

• Contact: Barclay Butler

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