Tagged: Non-QM

New Apex and Optimum programs combine multiple documentation options with faster income analysis for self-employed, investor, and other non-W-2 borrowers

June purchase locks climbed 14% year over year while non-conforming and Non-QM lending continued gaining market share, according to Optimal Blue

Investor loans are reshaping Non-QM production as securitization demand, capital markets, and wholesale expansion converge

Originators get a locked exit in a private-credit market hungry for funding certainty

The mortgage technology provider expands Tropos platform with consumer-permissioned financial data to reduce documentation and support digital underwriting

A practical guide to using bank statement loans for borrowers whose cash flow isn't reflected on their tax returns

Digital pay stub tools are gaining traction among self-employed workers, but mortgage lenders continue relying on automated verification and multiple data sources to validate borrower income

New Home Equity Gap Index estimates U.S. homeowners hold $11 trillion in available equity as some Non-QM lenders expand options for self-employed borrowers

74.5% of brokers report growing Non-QM volume in their business, according to a new A&D Mortgage survey

Document extraction and faster processing can improve efficiency, but the real opportunity for AI in Non-QM lending lies in reconciling fragmented borrower data and creating defensible credit decisions before underwriting begins