Local to Whittier, CA
Non-QM Loans in Whittier, CA
Looking for Non-QM loans in Whittier? Non-QM mortgage solutions in Whittier, CA for borrowers who don’t fit conventional guidelines — asset depletion, 1099 income, interest-only, and recent credit event programs. CDL Mortgage shops multiple Non-QM investors for your best terms.
Why CDL MTG
Why Whittier borrowers choose us.
Personal service, many lenders to compare, and clear answers at every step.
Competitive Rates
We shop multiple wholesale lenders on your behalf to find strong pricing for your exact scenario.
Flexible Terms
Options for W-2 earners, business owners, investors and retirees, not just picture-perfect files.
Fast & Simple Process
A secure document checklist tailored to your loan, with pre-approvals turned around quickly.
Local Expertise
We work with California escrow, title and appraisal partners every week, so your file moves smoothly.
The Process
How Non-QM loans work at CDL Mortgage.
Four simple steps from first call to closing table.
- Step 01
Talk to a Loan Officer
A quick, no-pressure conversation about your goals, timeline and budget.
- Step 02
Submit Your Documents
A short, secure checklist tailored to your loan — no guesswork, no busywork.
- Step 03
Get Pre-Approved
We shop lenders, review your Loan Estimate line by line, and issue your approval.
- Step 04
Close With Confidence
We keep you, your agent and escrow updated through funding day.
Local Expertise
Local Non-QM loans help across Whittier.
Los Angeles County is home to 88 cities, and Whittier borrowers often shop homes in neighboring Los Angeles and Long Beach too. Nearby, we also help borrowers in Santa Fe Springs (about 3 mi), La Habra Heights (about 4 mi) and Pico Rivera (about 4 mi).
Your Whittier Lender
CDL Mortgage Services Inc. helps buyers and homeowners across Whittier and the rest of Los Angeles County navigate the Non-QM loans process from first conversation to final signature. As a California-based lender headquartered in the Greater Los Angeles area, our loan officers know the local market, local escrow and title practices, and what it takes to compete for homes in Whittier.
One Point of Contact
From pre-approval to funding, one licensed loan officer owns your Non-QM loans file. You get direct phone access, a clear explanation of every fee on your Loan Estimate, and regular updates for you, your agent and escrow.
Matched to Your Goals
In addition to Non-QM loans, Whittier clients also come to us for non-QM loan, alternative documentation loan, asset depletion loan, and more. Whatever your situation — first home, move-up purchase, investment property, or tapping equity — we’ll match you with the right program.
Get a free Non-QM Loans quote in Whittier, CA
A licensed loan officer will reach out with your options — no obligation, no credit pull to start.
Prefer to talk? (916) 624-0767
How It Works
How non-QM lending actually works
Non-QM simply means the loan does not fit the Qualified Mortgage box. These loans are underwritten by people using common sense and documented ability to repay rather than a rigid agency checklist.
- 01
Identify the obstacle
Self-employment, a recent credit event, foreign income, property type, or an unusual asset structure. The obstacle determines the program.
- 02
Choose the documentation type
Bank statements, 1099s, asset depletion, DSCR rents, or full documentation with expanded guidelines.
- 03
Manual underwriting
A human reviews the full story — the compensating factors that automated systems ignore.
- 04
Price the risk
Down payment, credit and reserves set the rate. Improving any one of them moves your pricing.
- 05
Appraisal & reserves
Standard appraisal plus post-closing reserves, which carry heavy weight in these approvals.
- 06
Refinance later
Non-QM is often a bridge. We map the plan to move you into agency financing when you qualify.
Your Options
The non-QM programs we place
Non-QM is a toolbox. Knowing which tool your file needs is most of the job.
- Bank statement
- Self-employed borrowers qualifying on deposits instead of returns.
- DSCR
- Investment property qualified on rent, with no personal income used.
- Asset depletion
- Qualify from liquid assets rather than monthly income.
- Recent credit event
- Financing as soon as one day out of bankruptcy, foreclosure or short sale in some programs.
- Foreign national
- No U.S. credit or Social Security number required, with a larger down payment.
- Interest-only & 40-year terms
- Payment structures agency financing does not permit.
Honest Advice
Using non-QM the right way
Non-QM should be a solution, not a default. We only place you here when agency financing genuinely cannot work.
Good fit: real income, wrong paperwork
You clearly afford the payment but your documents do not fit the agency template.
Good fit: time-sensitive opportunity
Flexible underwriting can close deals conventional guidelines would kill.
Good fit: post-credit-event recovery
You do not have to wait years to own again when the rest of the file is strong.
Watch: higher rate and costs
Flexibility is priced. If you qualify conventionally, take conventional.
Watch: prepayment penalties
Common on investor non-QM. Understand the term before you sign.
Watch: the exit plan
Every non-QM loan should come with a written plan for refinancing into better terms later.
Service Area
Our Whittier service area.
Licensed, regulated & trusted.
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
Google Reviews
What Our Clients Say
Eli is the man. Best rates and always available to speak. 10/10 would recommend
Left a 5-star rating.
Eli Shannon was truly on top of everything! He’s knowledgeable, and as a mortgage broker, he guided me through securing a loan seamlessly. He helped me through the entire process efficiently and got things done right on time 👍
About Us
Who is CDL Mortgage?
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for Whittier borrowers.
Full-Service Mortgage Company
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Headquartered in Rocklin, CA
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Real Loan Officers, Not Call Centers
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
NMLS #132263 · Equal Housing Lender
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Questions
Common Non-QM Loans Questions
What is a Non-QM loan?
Non-QM (non-qualified mortgage) loans use flexible documentation and guidelines outside Fannie Mae and Freddie Mac rules — including bank statement, DSCR, ITIN, asset depletion, and 1099-only income programs.
Who should consider a Non-QM loan?
Self-employed borrowers, real estate investors, high-net-worth buyers with asset-based income, foreign nationals, and anyone with a recent credit event like bankruptcy or foreclosure that conventional lending won’t yet allow.
Can I get a Non-QM loan after bankruptcy or foreclosure?
Yes — many Non-QM programs allow financing as soon as one day out of a bankruptcy, foreclosure, or short sale with sufficient down payment, versus the 2-7 year waits conventional loans require.
Are Non-QM rates much higher than conventional?
Rates are moderately higher to reflect the flexible guidelines, but shopping multiple wholesale Non-QM investors — which we do on every file — keeps pricing competitive. Refinancing into conventional later is always an option.