A different documentation path.
Non-QM Loans in Los Angeles
Non-QM loan options give Los Angeles borrowers another path to discuss when a standard mortgage program does not fit. The Funding Clinic helps investors and self-employed buyers compare available programs through lending partners.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What Are Non-QM Loans?
Different underwriting still means a documented review.
Non-QM means non-Qualified Mortgage: a mortgage that falls outside the Qualified Mortgage criteria. The label alone does not tell you which income records a lender accepts, what a loan costs, or whether you qualify.
Programs marketed in this space may use bank statements or a profit and loss statement. Investor business-purpose financing can have different rules from consumer mortgages. We help identify the loan purpose and documentation path before comparing offers.
For background on Qualified Mortgage criteria, see the Consumer Financial Protection Bureau’s explanation.
02 / See how it fits
Who This Is For
- Real estate investors buying or refinancing rentals in Los Angeles
- Self-employed owners who write off a lot of expenses
- Buyers who were turned down by a bank for income reasons
- Investors who want to buy through an LLC
What You May Need
Requirements vary by lender and program. Common items to discuss include:
- A signed loan application with credit authorization
- Photo ID and entity papers if you buy in an LLC
- Proof of cash reserves
- Income proof that fits the loan type: lease and rent, bank statements, or a P&L
- Property details for the home you want to buy or refinance
03 / Your local investment
Serving Los Angeles and Nearby Cities
For a Los Angeles application, start with the intended property use and how you document income. A self-employed buyer and an investor seeking property-income financing may need different programs even when both are exploring alternatives to a standard bank loan.
- Los Angeles
- Inglewood
- Culver City
- Beverly Hills
- West Hollywood
- Santa Monica
- Glendale
- Burbank
- Pasadena
- East Los Angeles
- Hawthorne
- Compton
- Alhambra
See all our Los Angeles loans or see all areas we serve. Investing outside Los Angeles? See Non-QM Loans in other states.
04 / A little clarity
Questions We Hear a Lot
What does Non-QM mean?
Non-QM means non-Qualified Mortgage. It describes a mortgage outside the Qualified Mortgage criteria, not a promise of approval or a no-documentation loan. Ask which rules and documentation requirements apply to the specific program.
Is The Funding Clinic a Non-QM lender?
The Funding Clinic is a mortgage broker, not the funding lender. We help you explore programs offered by third-party lending partners, who set requirements and make approval decisions.
Do Non-QM loans require tax returns?
Documentation varies by program. Some use bank statements or a profit and loss statement, and supporting records may still be requested. Confirm the complete requirements for your application.
How do I compare Non-QM loan offers?
Compare the rate, fees, repayment structure, any prepayment terms, required funds, and total cost for your expected holding period. The program label alone is not enough to compare offers.
05 / Explore your options
Related Loan Options
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM