Real estate lending · Non-QM
Non-QM Leads
Non-QM leads are borrowers an agency file can't document: self-employed buyers, 1099 earners, people with assets and thin income, and borrowers with a recent credit event. We ask how they earn and what paperwork they have before the lead reaches you, so you know which guideline to pull before the first call. Leads go to licensed loan officers and lenders only.
Who this program is for
Licensed originators who work the files agency guidelines turn down.
- Non-QM wholesale and correspondent lenders
- Brokers who place loans with non-QM wholesale lenders
- Retail lenders with bank statement and asset depletion programs
- Loan officers who specialize in self-employed borrowers
- Teams that serve foreign national and ITIN borrowers
What you can buy
Bank statement and P&L requests
Self-employed borrowers who would qualify on deposits in personal or business bank statements, or on a profit and loss statement.
1099 income requests
Contractors and commissioned earners whose income shows on 1099s instead of W-2s.
Asset depletion requests
Borrowers with substantial liquid assets and limited documented income.
Recent credit event requests
Borrowers past a bankruptcy, foreclosure or short sale who haven't met agency seasoning yet.
What we ask before a lead reaches you
Income and documentation come first, since they decide the program.
- Occupancy: primary, second home or investment
- Purchase or refinance
- How income is earned: self-employed, 1099, W-2, retired or assets
- Documents available: bank statements, 1099s, P&L or tax returns
- Credit score range
- Bankruptcy, foreclosure or short sale, and when it happened
- Purchase price or home value, and down payment or equity
- Property state
Consent and compliance
Every form lead is phone-verified with a one-time text code (OTP) at submission and comes with a TrustedForm certificate your compliance team can keep with the loan file.
You are the licensed loan officer or lender. We don't take applications, quote rates or tell anyone they qualify, in our ads or anywhere else. Ability-to-repay documentation, disclosures and the programs you offer stay with you and your compliance team.
Run your own numbers
Non-QM files take more work to document. Judge the program on what each funded loan costs you.
- 1Line
Contact rate = borrowers reached ÷ leads delivered
- 2Line
Program fit = borrowers who match a guideline you can place ÷ borrowers reached
- 3Line
Cost per funded non-QM loan = lead spend ÷ non-QM loans funded
- 4Line
Margin per loan = compensation on a funded loan minus cost per funded loan
Questions buyers ask
Can I get leads sold only to me?
Yes. You choose leads sold to you alone or shared with a set number of loan officers, and the choice is written into your agreement.
Can I filter by income type or credit event?
Yes. Income type, documentation, occupancy, credit range, credit events and state are all available as filters.
Are DSCR borrowers part of this program?
Rental investors who qualify on the property's rent have their own DSCR program, where each lead is sold to one lender or shared with up to three. You can run both.
How do leads reach my pipeline?
We post each lead to your CRM or LOS by webhook, with income type and documentation in their own fields. Email delivery is available.
How are bad leads handled?
Return rules are written into your agreement before the first lead.
What does it cost, and which states can I buy?
Pricing and coverage are set per program after you apply, based on your markets and volume.
What happens when I click Apply now?
You tell us your markets, volume and how you want leads delivered. We review it and come back with a program.
Non-QM Leads from people who asked.
Apply with your markets, your volume and how you want leads or calls delivered. We review it and come back with a program built for you.
Apply now