Non-QM & Bank Statement Loans

Flexible mortgage solutions for self-employed borrowers. Use bank statements instead of tax returns to qualify. Explore Non-QM loan options with Luminate Bank.

Kimberly Renquest, Senior Loan Officer

Luminate Bank

Phone: (303) 883-4628

Email: [email protected]

NMLS# 1290080

Company NMLS# 1281698

Licensed in: AK, AL, CT, DE, AZ, DC, AR, FL, CA, GA, CO, HI, ID, LA, MS, NJ, OK, SD, VA, WA, TN, OR, NM, MO, ME, IL, IN, MD, MT, NY, PA, TX, WV, WI, UT, NC, NE, MA, IA, KS, KY, MN, MI, NV, NH, OH, ND, RI, SC, VT, WY

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

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    • Non-QM & Bank Statement Loans | Luminate Bank

    Flexible mortgage solutions for self-employed borrowers. Use bank statements instead of tax returns to qualify. Explore Non-QM loan options with Luminate Bank.

    Non-QM & Bank Statement Loans

    Why Non-QM Loans?

    Non-QM Loan Requirements

    Who Qualifies?

    Non-QM Loan Programs

    How Bank Statement Loans Work

    Non-QM Loan FAQs

    Self-Employed? We Have You Covered.

    Loan Programs

    Flexible mortgage solutions for self-employed borrowers, entrepreneurs, and those with non-traditional income. Use bank statements instead of tax returns to qualify for your dream home.

    Homeownership without traditional tax returns. Multiple options to verify income and qualify for a mortgage.

    Traditional mortgages require W-2s and tax returns, leaving many qualified borrowers behind. Non-QM loans use alternative documentation like bank statements, asset depletion, or 1099s to verify your ability to repay.

    Perfect for self-employed professionals, business owners, and those with complex income structures who have the means to afford a mortgage but do not fit into the standard qualified mortgage box.

    Non-QM loans are designed for borrowers who have the financial ability to repay a mortgage but do not meet the strict documentation requirements of traditional qualified mortgages.

    Multiple options to verify income and qualify for a mortgage. We will match you with the program that fits your financial profile.

    Simple process using your actual deposits instead of tax returns. Qualify based on the money flowing through your accounts.

    Common questions about alternative documentation loans.

    Do not let tax write-offs stop you from buying a home. Explore bank statement loan options today and get the mortgage you deserve.

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    NMLS#

    [email protected]

    (303) 883-4628 Mobile

    (720) 740-0567 Office

    Luminate Bank. All rights reserved.

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