NON-QM LOANS
TO GET YOU HOME
non-qm mortgages from great start
Designed for those who don’t fit the standard mold.
Self-employed borrowers or anyone with a non-traditional income scenario may be an excellent fit for Non-QM loans. Others who may benefit from a Non-QM mortgage include:
- Real estate investors
- Individuals with significant assets
- Foreign nationals
These types of loans offer flexibility in income verification, accommodations to unique financial scenarios, and customizable loan terms.
Ready to learn more? Or unsure if you may qualify? Give us a call or fill out our contact form and we’ll be in touch with answers.
Let’s Chat
NON-QM LOAN FEATURES
Packed with benefits that fit your unique scenario and make real estate ownership a reality.
Can Allow Higher Debt-to-Income Ratios
Lower Credit Scores are Often Accepted
Bank Statement Qualification Allowed
Non-Standard Loan Terms Available
PROGRAM DETAILS
- Relaxed lender guidelines
- Larger down payments required
- Useful for unique income situations*
*When tax returns are not ideal or asset heavy and income light.
100% Financing – One Time Close*
- Minimum 620 Credit Score
- No Down Payment Necessary
- No Payments During Construction
- Converts to a 30 Year Fixed Mortgage
- Can Own the Land Already
- Up to a 4-Plex Allowed**
Visit our VA Construction Loans page for more details.
*The construction loan automatically converts to a 30 year fixed VA mortgage.
*Down payment required if you are non-veteran and/or non-spousal co-borrower.
**Must occupy one of the units as your primary residence.
100% Financing – Purchase or Refinance*
- Minimum 500 Credit Score**
- No Down Payment Necessary
- No Mortgage Insurance
- Forgiving and Generous Guidelines
We’re happy to provide fast, convenient quotes in as little as 60 seconds (with no credit check). Start your pre-approval or give us a call!
*You can have multiple VA loans but you may need a down payment depending on your original VA loan amount.
*Down payment required if you are non-veteran and/or non-spousal co-borrower.
**580 is where most lenders advertise but the truth is the VA doesn’t have a minimum.
**Compensating factors necessary.
100% Financing – Purchase or Refinance*
-
Minimum 580 Credit Score
-
No Minimum Renovation Cost
-
Forgiving and Generous Guidelines
-
1 to 2 Units, Condo and Mfg. Allowed
We’re happy to provide fast, convenient quotes in as little as 60 seconds (with no credit check). Start your pre-approval or give us a call!
*Down payment required if you are non-veteran and/or non-spousal co-borrower.
Renovation cost greater than $200,000 requires a second level project review.
No consultant required when total renovation cost is less than $50,000.
VA Cash-Out – Up to 100% Financing*
- Minimum 500 Credit Score**
- 100% Financing Available
- No Mortgage Insurance
- Forgiving and Generous Guidelines
*The VA will insure up to 90% and the lender will have to insure the last 10%.
*100% financing results in a higher interest rate with any lender you talk to.
**580 is where most lenders advertise but the truth is the VA doesn’t have a minimum.
**Compensating factors necessary.
VA IRRRL (Streamline)
No Appraisal – No Income – No Employment Verification***
- No Closing Cost Options Available****
- No Credit Score Options Available
- Defer up to 2 Months of Payments
- Up to $500 Cash Back at Closing
We’re happy to provide fast, convenient quotes in as little as 60 seconds (with no credit check). Start your pre-approval or give us a call!
***If you are removing someone from the loan, you will have to do income qualification.
****Requires utilizing lender credits at a higher rate than what the par or free rate is.
wheRE TO start…
In the market to purchase or build a home? Start with our Purchase or Construction programs.
Already own a home? Consider refinancing or renovating with our Cash-Out, Rate/Term, and Renovation programs.
Why Choose Great Start Mortgage?
Because achieving your goal is our goal.
We’re a small, independent brokerage who treats every loan as if it were our own. You don’t fall into a database like the big box brokers… you work with us one-on-one every step of the way.
Our team compares multiple lenders to find the best loan for your needs. We listen, guide, and advise to set you up for success.
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Location
4495 W Hacienda Ave, Suite 11A
Las Vegas, NV 89118
Company Control Officer
Brian Stark
NMLS #1620373
Legal Info
GSM Consulting LLC
DBA Great Start Mortgage
NMLS #2138443
Consumer Access
Great Start Mortgage, 4495 W Hacienda Ave Ste 11, Las Vegas, NV 89118
NMLS #2138443. Go here for the Great Start Mortgage NMLS Consumer Access Page
©2021-2025 GSM Consulting LLC. All rights reserved
As the borrower, you have the control. You have the ability to determine who does your mortgage and what your mortgage does for you. It is just another financial instrument in the world of capitalism that plays by a fixed set of rules that are put in place to protect you, the borrower. There are three factors that determine what you are able to do and that is credit, income and debt. For more information, visit the CFBP.