Serving Bloomington, TX
Non-QM Loans in Bloomington, TX
Planning a move or a refinance in Bloomington? Non-QM mortgage solutions in Bloomington, TX 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 Bloomington homeowners call us first.
Experienced loan officers, honest pricing, and a process that respects your time.
Competitive Rates
We shop multiple wholesale lenders on your behalf to find strong pricing for your exact scenario.
Flexible Terms
Programs built around real situations — self-employed, investment property, manufactured homes and more.
Fast & Simple Process
Upload documents securely, track your checklist, and get a fast pre-approval decision.
Local Expertise
Real loan officers familiar with Victoria County market conditions, reachable by phone.
The Process
How Non-QM loans work at CDL Mortgage.
A simple four-step process, start to finish.
- 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
Bloomington Non-QM loans, handled by people who know the area.
Victoria County is home to 5 cities, and Bloomington borrowers often shop homes in neighboring Victoria and Inez too. Nearby, we also help borrowers in Placedo (about 5 mi), Tivoli (about 13 mi) and Victoria (about 13 mi).
Focused on Bloomington
CDL Mortgage Services Inc. helps buyers and homeowners across Bloomington and the rest of Victoria County navigate the Non-QM loans process from first conversation to final signature. We are fully licensed to lend in Texas and support Bloomington borrowers with the same responsive, personal process our home-market clients receive.
One Point of Contact
You will always know who is working on your loan. Your loan officer compares lenders for you, explains your costs in plain language, and keeps everyone on the transaction informed until closing.
Matched to Your Goals
In addition to Non-QM loans, Bloomington 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 Bloomington, TX
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.
Ideal for you
A great fit if you have…
Real income, wrong paperwork
You clearly afford the payment but your documents do not fit the agency template.
Time-sensitive opportunity
Flexible underwriting can close deals conventional guidelines would kill.
Post-credit-event recovery
You do not have to wait years to own again when the rest of the file is strong.
Another program may win
Consider alternatives if you have…
Higher rate and costs
Flexibility is priced. If you qualify conventionally, take conventional.
Prepayment penalties
Common on investor non-QM. Understand the term before you sign.
The exit plan
Every non-QM loan should come with a written plan for refinancing into better terms later.
Service Area
Our Bloomington service area.
Credentials you can verify.
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
Google Reviews
Reviews From Our Borrowers
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 Bloomington 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
Non-QM Loans FAQs
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.