Non-QM Loans – When Your Story Doesn’t Fit a Box

Non-QM serves entrepreneurs, investors, and non-traditional earners. Bank-statement, asset-depletion, or DSCR methods can qualify you. Underwriting evaluates the full picture beyond W-2s. Perfect for commission, self-employed, and portfolio buyers. We map options to cash flow and tax strategy. Access grows when guidelines flex intelligently.
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Alternative Documentation

Use bank statements to evidence income realistically. Asset-based approaches can validate repayment strength. DSCR options suit rental property strategies well. We align the method to your income style. Clarity replaces friction in qualification. Your file tells the real story.
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Wider Property Reach

Finance primary, second home, or investment properties. Flexible guidelines can accommodate unique collateral. We present lenders experienced with complex scenarios. Structures adapt to your portfolio objectives. Speed and certainty improve offer strength. Your strategy drives the design.
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Advantages of Non-QM Loans

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Alt-Doc Paths: Bank statements or assets.

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Investor Ready: DSCR and portfolio options.

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Flexible Collateral: Fit unique scenarios.

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Cash-Flow Fit: Terms built around you.
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Entrepreneur-Friendly Design

Cash flow varies, so terms must adapt. Payment structures can match seasonal cycles. Prepayment plans are reviewed for flexibility. We model outcomes under multiple revenue cases. Confidence grows when structure fits life. Your ambition gets practical support.
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Why Choose Alford Lending Group

We combine deep product knowledge with transparent guidance.
Our team designs financing around your goals, not templates.
Licensed in Florida, North Carolina, and Texas, we know your market.
Clear numbers and timelines keep you confidently in control.
We shop multiple lenders to pursue great value for you.
Service, integrity, and results lead every conversation.

We are known for

Personalized Strategies: Loans built around your plans. 

Clear Communication: Proactive updates at every step.

Transparent Process: Clear communication and no hidden surprises

Efficient Closings : Helping you secure financing unnecessary delays.

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"FAQs"

We compare monthly cost, cash to close, and long-term savings across options so the math makes the choice clear.

Typically income, assets, ID, and property docs; we send a precise checklist customized to your file.

Purchase timelines vary by program and appraisal; we set realistic dates and manage milestones tightly.

Yes, FHA, VA, and some conventional options enable lower cash to close with clear tradeoffs.

When rate, term, or cash-out benefits beat costs within your target break-even window we calculate for you.

Get in Touch With Our Loan Experts

We understand that choosing the right loan program can feel overwhelming, and that’s why our team is here to guide you every step of the way. Whether you’re a first-time homebuyer, refinancing, or exploring investment opportunities, we’ll provide clear answers and personalized solutions. You can reach out to us by phone, email, or through our simple online contact form. Our loan specialists are available to discuss your goals and explain all your options in detail. With a commitment to honesty and customer satisfaction, we make sure your experience is stress-free. Don’t wait—contact us today and take the first step toward securing your financial future.