Self-Employed Mortgage Loans | Non-QM & Bank Statement Loan Programs 2025

Описание: Hey, what’s going on guys? It’s Sal Bossio with Mortgage Universe, where real deals get done. In this video, I break down the Non-QM (Non-Qualified Mortgage) space — loans designed for borrowers who don’t fit the traditional mortgage mold.

If you’re self-employed or have irregular income, traditional loans like VA, FHA, or conventional mortgages can be tricky. That’s where Non-QM loans come in. We’ll discuss:

✅ What Non-QM loans are
✅ Bank statement loans (12-month & 24-month programs)
✅ How lenders verify self-employed income
✅ The 50% operating expense ratio and how it affects approval

Whether you’re buying your first home, refinancing, or investing in real estate, understanding Non-QM mortgage options can open doors that traditional loans can’t.

Watch the full video here:    • Non-QM Loans for Self-Employed | Bank Stat...  

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