Non-QM Mortgage Loans Designed for Self-Employed & Investors
Searching for a “non-QM mortgage Florida self-employed” or “investor refinance Maryland”?
You’re in the right place. Jhenesis Mortgage is a direct non-QM lender specializing in flexible home loans for borrowers who fall outside Fannie Mae/Freddie Mac guidelines. That means no tax returns, no W-2s, and no headaches — just common-sense underwriting that looks at your full financial picture.
Bank Statement Loans
Bank Statement Loans– Our Bank Statement Loans are designed for self-employed individuals and real estate investors who need a flexible financing option. Instead of traditional income verification, we look at your bank statements from the past 12 to 24 months. This way, we get a clear picture of your cash flow and financial health. No tax returns or W-2s needed! This means less paperwork and faster approvals. Whether youʼre buying a new home or refinancing an existing property, our Bank Statement Loans make it simple and stress-free. Let’s get you started on your journey today!
DSCR Loans
DSCR Loans– Our DSCR (Debt Service Coverage Ratio) Loans are perfect for real estate investors looking to finance rental properties. With this loan, we focus on your rental income rather than your personal income. If your rental income covers the mortgage payments, you’re in! This means you can secure financing without the stress of tax returns or W-2s. DSCR Loans give you the freedom to invest in multiple properties, building your portfolio faster than ever. Experience a smooth application process and quick approvals, so you can focus on what really matters—growing your investments!
Asset-Based Loans
Asset-Based Loans– Our Asset-Based Loans are tailored for borrowers who have valuable assets but may not have traditional income sources. With this option, we use your assets—like savings accounts, stocks, or investment properties—as collateral to secure financing. This means you can access the funds you need without the hassle of proving income through tax returns or W-2s. It’s a smart choice for self-employed individuals and investors who want to leverage their wealth. Enjoy a quick and simple application process, so you can get the funds you need to seize new opportunities without delay!
ITIN Loans
ITIN Loans– Our ITIN Loans are specifically designed for borrowers who don’t have a Social Security number but hold an Individual Taxpayer Identification Number (ITIN). This option opens doors for self-employed individuals and immigrants looking to purchase or refinance a home. We focus on your financial picture, including income and assets, rather than relying solely on traditional documentation. With our ITIN Loans, you can achieve homeownership without the usual roadblocks. Experience a fast and easy application process, so you can take the next step toward securing your dream home today!
Refinance Solutions
Refinance Solutions– Our Refinance Solutions are crafted for homeowners looking to lower their monthly payments, access cash, or switch to a more favorable loan. Whether youʼre self-employed or an investor, we understand that traditional refinancing can be a hassle. Thatʼs why we offer flexible options that donʼt require tax returns or W-2s. With our common-sense underwriting, we evaluate your overall financial picture to find the best refinancing option for you. Experience a streamlined process and quick approvals, allowing you to take control of your financial future with ease. Let’s make refinancing simple!
Investment Property Loans
Investment Property Loans– Our Investment Property Loans are designed for savvy investors ready to expand their real estate portfolio. Whether you’re buying single-family homes, multi-units, or commercial properties, we offer flexible financing options tailored to your needs. With no need for tax returns or traditional income documentation, our process is straightforward and efficient. We focus on the income potential of your investment properties to help you secure the funding you need. Experience fast approvals and a hassle-free application process, so you can seize new investment opportunities without delay. Your next property is just a click away!
