Flexible financing when you don’t fit the conventional box
Non-QM mortgage solutions in California, Texas, Georgia, Tennessee, Oklahoma, and Idaho 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
CDL Mortgage Services Inc. is a full-service mortgage company focused on securing the best loans at the best rates. As an independent broker, we aren’t tied to one bank’s products — we shop multiple wholesale lenders for every Non-QM loan to find the strongest pricing for your scenario.
Every file is handled start-to-finish by a licensed loan officer, not a call center. From fast pre-approval through underwriting and closing, you’ll always know exactly where your loan stands.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
Calculator
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
How It 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.
Self-employment, a recent credit event, foreign income, property type, or an unusual asset structure. The obstacle determines the program.
Bank statements, 1099s, asset depletion, DSCR rents, or full documentation with expanded guidelines.
A human reviews the full story — the compensating factors that automated systems ignore.
Down payment, credit and reserves set the rate. Improving any one of them moves your pricing.
Standard appraisal plus post-closing reserves, which carry heavy weight in these approvals.
Non-QM is often a bridge. We map the plan to move you into agency financing when you qualify.
Your Options
Non-QM is a toolbox. Knowing which tool your file needs is most of the job.
Honest Advice
Non-QM should be a solution, not a default. We only place you here when agency financing genuinely cannot work.
You clearly afford the payment but your documents do not fit the agency template.
Flexible underwriting can close deals conventional guidelines would kill.
You do not have to wait years to own again when the rest of the file is strong.
Flexibility is priced. If you qualify conventionally, take conventional.
Common on investor non-QM. Understand the term before you sign.
Every non-QM loan should come with a written plan for refinancing into better terms later.
Questions
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.
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.
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.
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.
About Us
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 every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Find Non-QM loans details for your city or county below.
Ready when you are
Same-day pre-approvals, dozens of wholesale lenders shopped for you, and one licensed loan officer from application to keys in hand.