Non-QM Loans
Alternative qualification for self-employed borrowers, investors, and unique income situations — when conventional guidelines don't fit.
Talk to a Local ExpertWhy buyers choose Non-QM loans.
Alternative income verification
Qualify using bank statements, asset depletion, or other non-traditional documentation.
Built for self-employed borrowers
No tax returns required — ideal for business owners whose returns don't reflect true cash flow.
Investor-friendly programs
Includes DSCR options that qualify based on rental income, not personal income.
Access other lenders don't offer
As a correspondent lender, we underwrite in-house — giving us flexibility traditional banks don't have.
Ready to see if Non-QM is the right fit? Here's how.
Non-QM approvals move differently than conventional loans. Watch a short walkthrough of the steps, or connect directly with a local expert who works with these programs regularly.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about bank statement qualification or DSCR programs? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the Non-QM program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure Non-QM Loans is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
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What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
